Personal after-tax contributions – a gift to your future
Personal after-tax contributions – a gift to your future

Personal after-tax contributions are another way to contribute to your super. Adding a bit more early on can make a difference to your super because of the long-term benefits of compound interest.

These contributions can take the form of a one-off, lump sum payment to your super account, or they can be a regular amount deducted from each pay or bank account. You can also make these contributions via BPAY, direct debit, cheque or money order.This type of contribution generally doesn’t incur any further tax once it reaches your super account.
Personal after-tax contributions are another way to contribute to your super. Adding a bit more early on can make a difference to your super because of the long-term benefits of compound interest.

These contributions can take the form of a one-off, lump sum payment to your super account, or they can be a regular amount deducted from each pay or bank account. You can also make these contributions via BPAY, direct debit, cheque or money order.This type of contribution generally doesn’t incur any further tax once it reaches your super account.

Need some help?
Need some help?

We want you to have a great retirement, and we’re here to help you achieve that. If you’ve got any queries, or if you’d prefer to chat to us over the phone – give us a call on 1300 366 216.
We want you to have a great retirement, and we’re here to help you achieve that. If you’ve got any queries, or if you’d prefer to chat to us over the phone – give us a call on 1300 366 216.
  • Who can make personal after-tax contributions?
    Who can make personal after-tax contributions?

    You are eligible to make personal contributions if you are under 75. Further conditions apply, you can review these in our Member Guide.

    Know your limits

    Before you start making additional contributions, it's vital to review all of the super contributions you make to ensure you stay within the caps and aren't charged additional interest and tax.

    How much is the cap?
    These contributions fall under the the after-tax (non-concessional) contributions cap. In the 2017/18 financial year, you can contribute up to $100,000 in personal, after-tax contributions into your super account – tax-free as long as your total super balance was less than $1.6 million on 30 June 2017. The non-concessional contributions cap applies across all super accounts you may have, not just VicSuper.

    You can find out more about contribution caps in our Member Guide.
    You are eligible to make personal contributions if you are under 75. Further conditions apply, you can review these in our Member Guide.

    Know your limits

    Before you start making additional contributions, it's vital to review all of the super contributions you make to ensure you stay within the caps and aren't charged additional interest and tax.

    How much is the cap?
    These contributions fall under the the after-tax (non-concessional) contributions cap. In the 2017/18 financial year, you can contribute up to $100,000 in personal, after-tax contributions into your super account – tax-free as long as your total super balance was less than $1.6 million on 30 June 2017. The non-concessional contributions cap applies across all super accounts you may have, not just VicSuper.

    You can find out more about contribution caps in our Member Guide.

Make a personal after-tax contribution today

  • There are lots of ways to make a personal after-tax contribution to your VicSuper account.
    1. Login to your account on VicSuper MembersOnline.
    2. Select "Build my super"
    3. Select "Transfer my super"
    You'll need the names of your other super funds and your member (or account) numbers.