Rules for making contributions by age
|Contribution type||Less than 75||75 and over|
|Voluntary after-tax1||Yes- Members, irrespective of their work status, may make personal contributions||No– Member contributions cannot be accepted 1 & 2|
|Spouse||Yes– Can be made at any time, irrespective of the employment status of the receiving spouse while they’re less than 752
||No– Spouse contributions cannot be accepted|
|Superannuation Guarantee (SG)||Yes– SG contributions made by your employer can be accepted
|Industrial award or agreement
||Yes– Industrial award or agreement contributions made by an employer can be accepted
|Salary sacrifice or employer voluntary
||Yes– Salary sacrifice or employer voluntary contributions can be accepted
||No– Salary sacrifice or employer voluntary contributions cannot be accepted 2|
1 Does not apply to downsizer contributions, which may be made if aged 55 and over regardless of work status. No maximum age limit applies. Refer to the Super Savings Accumulation Guide for more information.
2 Australian Retirement Trust is generally unable to accept personal contributions if you’re aged 75 years or older. If you’re aged 75 years or over, you’re not eligible to make voluntary contributions to your superannuation account unless the contribution is made within 28 days after the end of the month you turned 75 years. Any personal contributions received which don’t meet the above requirements will be refunded by Australian Retirement Trust.