{"id":4559,"date":"2012-06-06T01:56:37","date_gmt":"2012-06-06T05:56:37","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=4559"},"modified":"2012-06-06T01:56:37","modified_gmt":"2012-06-06T05:56:37","slug":"smsf-education-sohow-much-can-i-contribute","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2012\/06\/06\/smsf-education-sohow-much-can-i-contribute\/","title":{"rendered":"SMSF Education: So\u2026how much can I contribute?"},"content":{"rendered":"

SMSF Education is a free online education resource for SMSF trustees and their advisers.<\/p>\n

SO\u2026HOW MUCH CAN I CONTRIBUTE?<\/h3>\n

There are two types of contributions that can be made to superannuation. These are known as Concessional (pre-tax) contributions and Non-Concessional (post-tax) contributions. There are contribution caps that determine the maximum amount that can be contributed in any one year for each type of contribution.<\/p>\n

A Concessional contribution is a contribution made to superannuation where a tax deduction has been claimed. This includes contributions such as the Superannuation Guarantee Charge (SGC), salary sacrifice and personal deductible contributions. Concessional contributions incur contributions tax of 15% upon entering superannuation. From 1 July 2012, this contributions tax increases to 30% on Concessional contributions for individuals with an income greater than $300,000.<\/p>\n

The maximum Concessional contribution that can be made into the account of a superannuation member is dependant on their age. Currently, a member under the age of 50 is able to have contributions of up to $25,000 made to their account as a Concessional contribution in any one year. For those over age 50, the cap is $50,000. However, as of 1 July 2012, the Concessional contribution cap will be a universal $25,000 for all members regardless of age. In saying this, the Government has announced that members over age 50 will be able to have up to $50,000 (potentially $55,000 due to indexation) contributed to their accounts as a Concessional contribution from 1 July 2014 if their superannuation member balance is below $500,000.<\/p>\n

A \u2018non-concessional\u2019 contribution is a contribution made to superannuation with after-tax dollars \u2013 where income tax has already been paid. No tax is incurred on this type of contribution upon entering superannuation.<\/p>\n

The maximum Non-Concessional contribution that can be made in any one year is $150,000. However, members under the age of 65 have the ability to \u2018bring forward\u2019 two years\u2019 worth of the Non-Concessional cap. This means that up to $450,000 may be contributed in any one year, with no further Non-Concessional contributions being made for the following two years. The \u2018bring forward\u2019 rule is triggered in a financial year if more than $150,000 is contributed as a Non-Concessional contribution.<\/p>\n

Exceeding the Cap<\/h3>\n

Where a member receives Concessional contributions in excess of their relevant cap, the excess amount is subject to excess contributions tax of 31.5% and the amount in excess will then count towards their Non-Concessional cap.<\/p>\n

For various reasons, many individuals have been incurring excess contributions tax as a result of circumstances out of their control. From the 2012 financial year, new measures in place provide certain individuals with the ability to have excess contributions refunded to them and taxed at their marginal tax rate, so as not to incur excess contributions tax. However, this is only available in limited circumstances where the excess contributions equal less than $10,000 and there are no excess contributions for an earlier financial year (excluding years prior to 2012). This option for a refund is only available once for each individual\u2019s lifetime. It is not available in the years subsequent to a refund being claimed.<\/p>\n

In cases where the Non-Concessional contributions cap is exceeded, excess contributions tax of 46.5% is incurred. This is after income tax has already been paid on the amount contributed.<\/p>\n

There are some instances where 93% in tax on contributions could be payable. This occurs when the Non-Concessional contribution cap has been reached and a Concessional contribution is made, which causes the Concessional contribution cap to be exceeded. In this case, the concessional contribution will incur contributions tax of 15% and then excess contributions tax of 31.5% for exceeding the Concessional contribution cap. Because the contribution has exceeded the Concessional cap, it will count towards the Non-Concessional cap. However, because the Non-Concessional cap had already been reached, excess contributions tax of 46.5% will be payable for exceeding the Non-Concessional cap \u2013 totalling 93% in excess contributions tax.<\/p>\n

Contribution caps for relevant years (excluding indexation):
\n\"SMSF<\/p>\n

Ideally, all contributions should be made to your superannuation account a couple of weeks prior to the end of the financial year. The end of the tax year is a hectic time for superannuation funds. By getting your contributions in early, it should ensure that any delays in transaction or processing time will not affect your ability to claim a tax deduction in the current financial year.<\/p>\n

Warrick Hanley<\/strong>
\nFor more information, please go to www.smsfeducation.com.au<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

SMSF Education is a free online education resource for SMSF trustees and their advisers. SO\u2026HOW MUCH CAN I CONTRIBUTE? There are two types of contributions that can be made to superannuation. These are known as Concessional (pre-tax) contributions and Non-Concessional (post-tax) contributions. There are contribution caps that determine the maximum amount that can be contributed … <\/p>\n

Continue reading “SMSF Education: So\u2026how much can I contribute?”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40,50],"tags":[3074,3155,3156],"class_list":["post-4559","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-financial-planning","tag-self-managed-superannuation-funds","tag-smsf","tag-smsf-contributions"],"yoast_head":"\nSMSF Education: So\u2026how much can I contribute? - the patient investor<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMSF Education: So\u2026how much can I contribute? - the patient investor\" \/>\n<meta property=\"og:description\" content=\"SMSF Education is a free online education resource for SMSF trustees and their advisers. 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Behind the balance of your member account are two main components that make up your superannuation savings \u2013 these are the Taxable Component and the Exempt (or Tax Free) Component. The Taxable bucket consists of contributions made to\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":13258,"url":"https:\/\/thepatientinvestor.com\/index.php\/2016\/05\/09\/why-every-government-will-increase-taxes-on-superannuation\/","url_meta":{"origin":4559,"position":1},"title":"Why Every Government Will Increase Taxes on Superannuation","author":"ColinTwiggs","date":"May 9, 2016","format":false,"excerpt":"From Sam Volkering, 6 May 2016: The fallout from this week\u2019s federal budget continues. As I noted yesterday, it was a pretty weak budget all things considered. Nothing of any substance. Nothing to grab the reigns of the country and ride it to a sunny future.But there were some interesting\u2026","rel":"","context":"In "Stock Markets"","block_context":{"text":"Stock Markets","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/stock-markets\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8537,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/10\/04\/consumption-biggest-smsf-risk\/","url_meta":{"origin":4559,"position":2},"title":"Consumption biggest SMSF risk","author":"ColinTwiggs","date":"October 4, 2013","format":false,"excerpt":"Last week the consulting group Deloitte ....... analysis of how long after retirement retirees' nest eggs would last that was the most profound aspect .....it showed that retirees living \"comfortable\" retirement lifestyles would run out of superannuation money after just 11 years compared to those that opt for a \"modest\"\u2026","rel":"","context":"In "Financial Planning"","block_context":{"text":"Financial Planning","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/other\/financial-planning\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8270,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/08\/12\/superannuation-is-inequitable-and-unsustainable-macrobusiness\/","url_meta":{"origin":4559,"position":3},"title":"Superannuation is inequitable and unsustainable | | MacroBusiness","author":"ColinTwiggs","date":"August 12, 2013","format":false,"excerpt":"I agree with Leith van Onselen that Australia's aged pension\/superannuation regime will be sorely tested over the next 30 years as the number of workers per retiree falls to below 2.5 to 1: But I don't agree with his proposed solution: ...The flat 15% tax on superannuation contributions should also\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":6927,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/03\/10\/australia-smsf-a-matter-of-self-interest\/","url_meta":{"origin":4559,"position":4},"title":"Australia: SMSF – a matter of self-interest","author":"Colin Twiggs","date":"March 10, 2013","format":false,"excerpt":"Reece Agland, senior policy adviser at the Institute of Public Accountants, compares the performance of self-managed super funds to retail and industry funds: Let\u2019s look at the facts. For the three most recent years where performance has been measured SMSFs out performed both retail and industry funds. The average operating\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":12343,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/09\/22\/australia-latest-smsf-statistics-finsia\/","url_meta":{"origin":4559,"position":5},"title":"Australia: Latest SMSF statistics | FINSIA","author":"ColinTwiggs","date":"September 22, 2015","format":false,"excerpt":"Key statistics to have come from the ATO's latest quarterly SMSF report include: The total number of SMSFs increased by 30,723 from 526,275 to 556,998.The total number of SMSF members increased by 58,219 from 991,621 to breach the one million mark at 1,049,840.The total value of SMSF assets decreased from\u2026","rel":"","context":"In "Stock Markets"","block_context":{"text":"Stock Markets","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/stock-markets\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/4559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/comments?post=4559"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/4559\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=4559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=4559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=4559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}