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Home / How super works / Contributing to super / Case study: Combining downsizer and non-concessional contributions

Case study: Combining downsizer and non-concessional contributions

Aakash Mehta Aakash Mehta

Constant government tinkering with the super rules can be a source of frustration and confusion for fund members, but some changes can be for the good.

That was the case for new super rules that came into effect in 2022, which provided opportunities for older Australians to make sizeable contributions to their super that were not available previously.

The key changes were the removal of the work test for non-concessional contributions for people aged between 67 and 75 and the lowering of the downsizer eligibility age from 65 to 60. The downsizer eligibility age was further lowered to 55 in 2023.

Read more about the work test and downsizer super contributions.

About the author

Aakash Mehta
Aakash Mehta
Aakash Mehta is a financial adviser and has been working in the financial planning profession for more than 7 years. He has an undergraduate degree in commerce, a post-graduate degree in international finance and a diploma in financial planning. His day-to-day work exposes him to real life financial planning issues around superannuation, retirement, insurance and estate planning, and he contributes to SuperGuide by writing case studies and articles on various financial planning strategies.
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Responses

  1. Janine Scott Avatar
    Janine Scott

    Hi…this article says the couple could put money into their super at 85 years old as a possible strategy. I didn’t think you could add any money into super after 75 years old?

    1. SuperGuide Avatar
      SuperGuide

      Hi Janine – Please see this article for more information on contribution options when you’re over 75.

      https://www.superguide.com.au/how-super-works/super-contributions-in-retirement#contribution-options-when-youre-over-75

      Best wishes

      The SuperGuide team

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