MAKING CONTRIBUTIONS
Options to boost your super so you can retire well
Personal contributions (non-concessional contributions)
Personal after-tax contributions are limited to $150,000 per annum. If you’re under 65, you may contribute up to $450,000 in one year, however in that case no personal contribution can be accepted for the next 2 years.
- Contributions above $150,000 will be taxed at the highest marginal tax rate (unless the contribution is up to $450,000 and no contribution is made in the following two years)
- Contributions above $450,00 are not permitted and will be refunded upon receipt.
You may make these additional contributions in a number of ways, including:
1. 
In the same way that you may already use the internet to pay a bill, you can transfer funds into your Club Plus account online through BPay. Full details of the Biller Code and your own unique Reference Number are set out at MemberAccess. (If you do not already have a password this can be obtained online).
2. By cheque - If you wish to lodge funds by cheque simply download this form, complete the requested details and return it with your cheque to the address indicated.
Employer contributions (concessional contributions)
Employer contributions (including salary sacrifice) are limited to $25,000 per annum. If you’re over 50 at the end of a financial year you are entitled to receive employer contributions of $50,000 per year until 30 June 2012.
- Contributions below the cap will be taxed at a rate of 15%
- Contributions above the cap will be taxed at the highest marginal tax rate.
Other contributions to consider
Other contributions that may form an important part of your overall strategy are:
- Co-contributions
- Rollovers
- Super-splitting