Contributions & Pensions
Money moves into your SMSF as contributions and out as pensions. These guides explain the contribution types and their caps, how to start a pension, transition to retirement income streams, and the transfer balance cap.
Contributions to your SMSF
Money enters your fund as contributions, and there are several types, each with its own rules and caps. Here is the overview before the detail.
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Concessional contributions
Concessional contributions are the before-tax money going into your fund. Here is what counts, how they are taxed, and how unused cap can carry forward.
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Non-concessional contributions
Non-concessional contributions are after-tax money you add to super. Here is the annual cap, the bring-forward rule, and the balance limit that can reduce your cap to nil.
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SMSF pensions
When you retire, your SMSF can pay you an income stream. Here is how account-based pensions work, the minimum you must draw, and the tax treatment.
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TTR pensions
A transition-to-retirement pension lets you draw some super while still working. Here is how a TTR income stream works and where it can help.
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Transfer balance cap
The transfer balance cap limits how much super you can move into the tax-free retirement phase. Here is how it works and what happens if you exceed it.
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