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Picture Book · Super contributions

After tax, and bringing years forward

Story pages

A woman in her mid sixties with short silver hair sitting on a verandah holding an old photograph
Meet Helen. She's 66 and just received an inheritance.
A wooden crate of oranges filled to the top at a farmers market stall
The non-concessional cap is $130,000 a year for 2026–27 (as at 27 October 2026).
Three stepping stones leading across a shallow creek in sunlight
If she's under 75, she may be able to bring forward up to three years at once: up to $390,000.
A woman in her mid sixties checking a tablet at her dining table
Whether she can, and how much, depends on her total super balance at the previous 30 June.
A closed garden gate with a vine growing over it
If her total super balance was $2.1 million or more, her cap is nil for the year.
A woman in her mid sixties on the phone at her kitchen bench
Helen checks her balance before she contributes a cent.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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