Total superannuation balances over $1.6M

From 1 July 2017, your non-concessional cap is nil – for a financial year – if you have a total superannuation balance greater than or equal to the general transfer balance cap ($1.6 million) at the end of the previous financial year.  In this case, if you make non-concessional contributions in that year, they will be excess non-concessional contributions.

From 1 July 2017 your total superannuation balance at the end of the previous financial year will determine:

  • The non-concessional contributions cap you can bring forward and
  • Whether you have a two-year or three-year bring-forward period.