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Superannuation contributions strategies

For a superannuation account to exist, someone needs to make a super contribution to the account (or transfer savings from a pre-existing super account). Your employer, or you, or your spouse can make super contributions on your behalf.

Generally speaking, there are two types of super contributions – concessional (before-tax) contributions and non-concessional (after-tax) contributions, and each type of super contribution has special rules.

You can find a helpful summary of both types of super contributions in the SuperGuide articles Super concessional (before-tax) contributions: 2018/2019 survival guide and Your 2018/2019 guide to non-concessional (after-tax) contributions.

Some of the more popular super contributions strategies include the following:

  • Salary sacrifice
  • Tax-deductible super contributions
  • Non-concessional contributions
  • Bring-forward rule
  • CGT and super contributions
  • Spouse contributions
  • Co-contributions
  • Re-contribution strategy
  • Downsizing and contributing to super

Set out below are all SuperGuide articles referring to Superannuation contributions strategies.

Retirement planning case study: Couple aged 58 and 60

February 9, 2019 by Barbara Drury Leave a Comment

Retirement planning case study: Couple aged 58 and 60 - 3005457848 ae07995f9d z woman 55 100x75

Dan (60) is a freelance web designer who earns $76,000 per year. He hasn’t always put money aside for super, so his balance is a relatively low $120,000. His wife Jenny (58) is a registered nurse on a salary of $85,000 with a super balance of $230,000. Their two children are independent adults and they have a ... Read more

Retirement planning case study: Couple aged 47 and 48

February 8, 2019 by Barbara Drury Leave a Comment

Retirement planning case study: Couple aged 47 and 48 - Pixmac000081230593 too late 100x75

Chris (47) earns $180,000 per year and has $430,000 in super Lisa (48) earns $80,000 per year and has $220,000 in super They have one daughter at university and are close to paying off their mortgage They want to know if they are on track to retire when Chris turns 60 Chris and Lisa currently enjoy a more ... Read more

Retirement planning case study: Single woman, aged 52

February 8, 2019 by Trish Power Leave a Comment

Retirement planning case study: Single woman, aged 52 - 413108056 8380b7c924 z woman 45 100x75

Deb (52), is divorced and single She earns $60,000 per year and has just $85,000 in super after taking time out of the workforce to raise her two children who are now independent She is on track to own her home outright within a few years but has no other investments outside super She won’t be eligible for the ... Read more

Guide to transition to retirement pensions (TTRs or TRISs)

February 8, 2019 by SuperGuide 2 Comments

Guide to transition to retirement pensions (TTRs or TRISs) - TrainTracks 1 100x75

Transition to retirement income streams (or pensions) allow you to gradually draw on your super benefits while you’re still working and moving towards your retirement. They go by a variety of acronyms, including TTR and TRIS. For simplicity, we’ll use the TTR acronym in this article. There are different ways that ... Read more

Guide to in-specie transfers for SMSFs

February 6, 2019 by SuperGuide Leave a Comment

Guide to in-specie transfers for SMSFs - photodune 903240 stock market pricing abstract c 100x75

In specie superannuation transfers are transfers of assets in and out of super funds, rather than actual transfers of money. In specie is a Latin phrase meaning “actual form”. An in specie transfer to or from a super fund is therefore the process of transferring an asset in or out of the fund without any money ... Read more

Did tax kill the transition to retirement magic pudding?

February 6, 2019 by Barbara Drury Leave a Comment

Did tax kill the transition to retirement magic pudding? - Pixmac000012375043 cake trip 100x75

Transition to retirement (TTR) pensions used to be referred to as the Magic Pudding because like Norman Lindsay’s famous cut-and-come-again pud you could have your cake and eat it too. The pudding may be a bit smaller since the government tightened the tax rules back in 2017, but a TTR pension is still appetising ... Read more

Gaining from the government: How you can score a co-contribution freebie

February 3, 2019 by Janine Mace 8 Comments

Gaining from the government: How you can score a co-contribution freebie - Pixmac000059278047 coins contributions 100x75

Free money from the Government is a pretty rare thing and most Aussies would be willing to go a bit out of their way to try and get some, but one of the easiest routes to those extra bucks is often overlooked. One of the simplest ways is to invest a few extra dollars into your super account and take advantage of the ... Read more

Capital gains and super: Using super contributions to reduce your CGT bill

February 2, 2019 by Janine Mace Leave a Comment

Capital gains and super: Using super contributions to reduce your CGT bill - Pixmac000068851789 file manage 100x75

Super contributions can be used in many different ways when it comes to planning your finances and saving for your retirement. In the right circumstances, they can also be a very useful tool for minimising your tax bill. It’s often overlooked that your super contributions can be used to reduce the amount of capital ... Read more

Learn to love LISTO: low income earners get their super tax refunded

February 2, 2019 by Janine Mace Leave a Comment

Learn to love LISTO: low income earners get their super tax refunded - Tax refund 4441059 c 100x75

It’s getting harder to pocket a tax refund these days, so when the Government is offering one for your super contributions, it’s worthwhile knowing just how you much you are likely to get. And best of all with the Low Income Superannuation Tax Offset – or LISTO for short – the tax man and your super fund do all the ... Read more

Carry-forward contributions: How your unused contribution limits can help you catch up

February 1, 2019 by Janine Mace Leave a Comment

Carry-forward contributions: How your unused contribution limits can help you catch up - Pixmac000079452395 money 1 100x75

Feel like you’ve missed the boat when it comes to your retirement savings? Carry-forward super contributions could be the answer for many Australians looking to boost the balance in their super account. What are carry-forward contributions? Carry-forward contributions are not a new type of contribution, they are ... Read more

The short story on super contributions rules (2018/2019 year)

January 22, 2019 by Trish Power 10 Comments

The short story on super contributions rules (2018/2019 year) - story 11261768 c 100x75

You can make two types of superannuation contributions – concessional (before-tax) contributions and non-concessional (after-tax) contributions – and each type of contribution has a separate limit known as a contributions cap (see text and tables below). A concessional contribution is a before-tax contribution made ... Read more

Contributions caps relate to financial years, not calendar years

January 21, 2019 by Trish Power Leave a Comment

Contributions caps relate to financial years, not calendar years - 366190064 8114b4e55d z calendar CC 100x75

Q: I understand the three-year bring-forward rule now allows you to contribute up to $300,000 in after-tax contributions. My question is: What date does the second three-year period start? For example, if I contributed $300,000 on 28 Dec 2018, does that mean I can contribute another $300,000 on or after 1 July 2021 (or ... Read more

The tax treatment of super benefits and the proportioning rule

January 13, 2019 by SuperGuide Leave a Comment

The tax treatment of super benefits and the proportioning rule - 315193729 196485f07f o 100x75

The tax treatment of a superannuation benefit depends on a number of factors: the age of the person; whether the benefit comprises a tax free component and or a taxable component; whether the benefit is in the form of a lump sum or an income stream (i.e. a pension); and whether the taxable component ... Read more

Bring-forward rule: A definitive super guide

January 12, 2019 by Trish Power 26 Comments

Bring-forward rule: A definitive super guide - Pixmac000084284866 forward 100x75

Note: The information in this article relates to the 2018/2019 financial year and the 2017/2018 financial year. The bring-forward rule allows an eligible Australian to contribute up to 3 years’ worth of after-tax contributions (non-concessional contributions) in one year, representing the annual non-concessional cap ... Read more

Your 2018/2019 guide to non-concessional (after-tax) contributions

January 12, 2019 by Trish Power 41 Comments

Your 2018/2019 guide to non-concessional (after-tax) contributions - Pixmac000044104393 guide 100x75

Note: This article explains the rules applicable to non-concessional contributions for the 2018/2019 year (and for the 2017/2018 year, and later in the article explains the rules applicable for the 2016/2017 year). See also SuperGuide articles New normal: $100,000 non-concessional contributions cap and Non-concessional ... Read more

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    • Retirement Calculators and Reckoners
      • How Much Super Is Enough Reckoner
      • Retirement Income Reckoner
      • Retirement Age Reckoner
      • Age Pension calculator
      • Annual Minimum Pension Payment Calculator
    • Retirement phase (formerly called Pension phase)
      • Super tax rules
      • Types of super benefits
      • Transfer balance cap
      • Exempt current pension income
      • Franked dividends
      • Non-arm’s length income
      • Superannuation benefit payments tax
      • SMSF pensions
      • Transition-to-retirement pensions
    • Taking a super lump sum
    • Taking a super pension
      • Retirement phase
      • Types of super pensions
      • SMSF pensions
      • Transfer balance cap
      • Minimum super pension payments
      • Transition-to-retirement pensions
      • Defined benefit funds
      • Annuities
    • Working in retirement
      • Turning 65 and super
      • Over-65s work test
      • Transition-to-retirement pensions
      • Age-based Super Guide
      • Age pension age
    • Commonwealth Seniors Health Card
    • Age Pension rules
      • Latest Age Pension rates
      • How do the Age Pension rules work?
      • Age Pension age
      • 10 important facts about the Age Pension
      • How do I apply for the Age Pension?
      • Age Pension assets test
      • Age Pension income test
      • Age Pension deeming rules
    • Obtaining financial advice
    • Life expectancy and super
    • Superannuation death benefits
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