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Voluntary after-tax contributions

Adding some additional money into your super now can really add up in the long-term. You may be able to take advantage of new tax benefits that may allow these contributions to be deducted from your taxable income.

Claiming a deduction for 2021-22?

For the most up-to-date information, check your contribution totals in Member Online or call us.

Grow your super

Making voluntary after-tax contributions to your super can be an easy and effective way to grow your super. You can make voluntary after-tax contributions (also known as personal contributions) on a regular or one-off basis, whatever suits.

Plus, with an after-tax contribution you could also boost your super by up to 50 cents for every $1 you contribute (up to $500 per year) with the Government's co-contribution scheme.

Contributions calculator

To find out if adding a little extra into your super could reduce your income tax, get you a government co-contribution payment, and help you achieve your dream retirement, use our contribution calculator.

Make a contribution

There are a couple of ways that you can add to your super and take advantage of Government co-contribution:

If you want your contribution to be allocated to your account by a particular date, such as before the end of the financial year, we need to receive the contribution before the close of that business day.

Please keep in mind your financial institution's processing time-frames if making payment via BPAY. We recommend you allow at least three business days for BPAY and 7-10 business days for postage.

Do you want to claim a tax deduction?

Some eligibility conditions and criteria apply when you’re thinking about claiming a tax deduction for after-tax contributions. Find out more about claiming a tax deduction for contributions made into your Australian Retirement Trust account.

Note: COVID-19 early release re-contributions cannot be claimed as personal deductions.

If you're a member, to claim a tax deduction, you'll need to notify Australian Retirement Trust by completing the claim, or a vary a tax deduction form in Member Online. 

Contribution caps

It's worth noting that there are some caps which limit the amount of after-tax contributions that can be made and any super contributed over the cap amount is subject to extra tax. Learn more about contribution caps.

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