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Depending on your financial situation and budget, even a small contribution of $100 made today to your superannuation (super) fund may make a difference for when you retire.
There are two main contribution types:
Concessional contributions are monies that are paid into your super fund with pre-tax income such as employer contributions, salary sacrifice and personal contributions for which you advise us you will claim a tax deduction. These contributions are generally taxed at 15%. For the 2024-25 financial year, the cap for these concessional contributions is $30,000.
Non-concessional contributions are monies paid into your super fund using after-tax income such as voluntary personal contributions and spouse contributions. It’s important to note that these contribution types have a contribution cap of $120,000 per year for after-tax personal super contributions in the 2024-25 financial year (for which you do not claim a tax deduction) and spouse contributions you receive. If you’re under 75 and eligible, you may also be able to bundle up to three years of non-concessional contributions, or up to $360,000, into one year under the bring-forward rule. These contributions are generally not taxed when received into your super fund.
Learn more about the different types of contributions that can be made into your super fund and what the limits are for the 2024-2025 financial period.
You can give your super a top-up by making voluntary contributions from your after-tax income, subject to certain limits and eligibility.
Salary sacrificing can help to grow your super at an accelerated rate.
Depending on your circumstances, the government can make additional contributions to your super for you.
If you decide to downsize from your family home, you may be eligible to contribute up to $300,000 from the sale of your main residence into your super, tax-free.
The Federal Government’s first home super saver (FHSS) scheme lets you save money for your first home inside your super fund.
Paying money into your spouse’s super account means you may be eligible for a tax offset.
Should you need to access your super before retirement, explore what conditions of release may be applicable.
Depending on your age and current super balance, there are limits on how much you can contribute every year.
If you’re a high-income earner, you need to know about these rules.
Any advice on this website is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), and is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the relevant product disclosure statement and/or policy document, available from Resolution Life at resolutionlife.com.au or by calling 133 731, before making a decision on whether to acquire, or continue to hold, the product.
The Target Market Determinations (TMDs) for our financial products (where applicable) can be found at Target Market Determinations (TMDs). The TMDs describe the key features and attributes of an applicable product that affect whether it is likely to be consistent with the objectives, financial situation and needs of consumers in the target market.
Resolution Life is part of the Resolution Life Group and can be contacted via contact us or by calling the phone number mentioned above.