Avoid a super contributions trap

Let’s clear up some common misconceptions about super contributions pre- and post-65.

Summary: Retired people aged under 65 can still generally make super contributions. Those who are retired and aged over 65 can’t contribute unless they meet the “work test”, which involves working a minimum of 40 hours during a period of 30 consecutive days. Those aged over 65 and still working will continue to be paid the Superannuation Guarantee and can continue to make salary sacrifice contributions up to age 75.

Key take-out: After age 65, it’s not possible to use the pull-forward provisions for non-concessional contributions, so it can be important to time those final NCCs.

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