Tax with Max: Maximising pension options

Maximising pension options, commuting a pension, interest deductions, and more.

Summary: If an existing pension account is made up of both taxable and tax-free superannuation, it cannot be commuted and a new pensions from the different components. But there are a lot more options available to someone with a pension aged under 65, using superannuation recontribution strategies and taking advantage of the three-year pull-forward rule.

Key take-out: The commuting of a pension can be done at any time throughout the financial year, and new contributions can also be made to a fund at any time during a year.

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