Making superannuation contributions

Superannuation contributions (including personal contributions and employer contributions) are a cash amount, or in some cases an asset, that is contributed to a complying superannuation fund, on behalf of an individual under the age of 75.

Super contributions and earnings on those contributions are the key to accumulating a substantial retirement nest egg. Find out how you can make concessional (before-tax) contributions, non-concessional (after-tax) contributions, receive co-contributions and more.


Listed below are some of our key articles about making super contributions. For more articles on this topic continue scrolling down the page.

Set out below are all SuperGuide articles explaining Making superannuation contributions.

Same-sex couples: your super rights explained

Same sex super rights

The Australian parliament has decided that it was not the right time to allow same sex couples to marry, and more recently we have elected a Prime Minister who has publicly stated that he feels uncomfortable around homosexuals. We have a new government with a leader who is personally against … [Read more...]

Super for beginners, part 17: Four must-knows about super’s tax rules

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Q: I am trying to understand how my super is taxed and it seems that it is taxed at every turn. Can you please explain when, and how, a super benefit is taxed?A: If it were not for tax, superannuation wouldn’t exist. You would simply invest in your own name. Superannuation is taxed at lower … [Read more...]

Why women have to save more super

Women superannuation

When we first launched SuperGuide nearly 6 years ago, I wrote an article explaining why tax-free super in retirement is a non-issue for most women. The reason for making this statement, and which remains valid 6 years later, was that women, on average, have such low super account balances that the … [Read more...]

Retirement: Can Australia afford to support your lifestyle?

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Are you planning to support yourself over a 30-year or even 40-year retirement or do you think Australia can afford to finance your retirement? The superannuation industry and the federal government continues to grapple with this issue, that is, whether Australia will continue to be in a position to … [Read more...]

I’m retired. Can I make super contributions?

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Q: If I have retired from work and later on inherit a reasonable sum of cash, can I make a non-concessional contribution into my superannuation fund? OR is that only permitted while I am working, regardless of my age?A: For the benefit of other readers, I will first explain the meaning of a … [Read more...]

Super for beginners: 8 steps to super success

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Merely thinking about your super means you’re straddling the first major hurdle that most Australians face when planning (or not) for their retirement and looking into your future.As an employee, you have your employer helping you with your retirement plans by making compulsory super … [Read more...]

Two-way traffic! Finally, one fund helps move super from NZ to Australia

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An Australian super fund is now accepting transfers from New Zealanders hoping to transfer their KiwiSaver accounts to Australia. Let’s hope that many more super funds follow, but in the meantime, WA Super is the only Australian super fund offering this service, and it is awaiting your KiwiSaver … [Read more...]

Superannuation Guarantee increased to 9.5% for 2014/2015 year, then stalls for 7 years

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From 1 July 2014, the Superannuation Guarantee rate increased to 9.5% (from the 9.25% that applies for the 2013/2014 year). Based on new laws, the SG rate will remain at 9.5% for 7 years, increasing to 10% from July 2021, and eventually to 12% from July 2025 (see table below).Superannuation … [Read more...]

Liberals slow down SG increase until July 2025

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Note: From 1 July 2014, the Superannuation Guarantee rate increased to 9.5% (from the 9.25% that applies for the 2013/2014 year). Due to recent changes in the law, the SG rate will remain at 9.5% for 7 years, increasing to 10% from July 2021, and eventually to 12% from July 2025. See table near end … [Read more...]

Low-income earners enjoy super tax reprieve for 5 years

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Note: The Coalition government has been forced to extend the Low Income Super Contribution for another 4 years, in addition to the LISC applying for the 2012/2013 year. Due to parliamentary negotiations to secure passage of the repeal of the Mineral Resource Rent Tax, the LISC is now payable for the … [Read more...]