{"id":622078,"date":"2026-10-06T08:12:26","date_gmt":"2026-10-06T08:12:26","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/622078\/"},"modified":"2026-10-06T08:12:26","modified_gmt":"2026-10-06T08:12:26","slug":"making-superannuation-contributions-in-retirement-the-rules-explained","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/622078\/","title":{"rendered":"Making superannuation contributions in retirement \u2013 the rules explained"},"content":{"rendered":"<p>Q: I\u2019m 60 and recently retired. I\u2019m about to come into about $200,000, which I\u2019d like to put into super, where I have $800,000. My husband still works and has a larger super balance. When I was employed, it seemed a priority to make concessional (pre-tax) contributions to help reduce my taxable income. Now that I\u2019m retired, should I just make a non-concessional (after-tax) contribution up to the cap before June 30 next year and then the remainder after July 1 and not bother with a concessional contribution? What are the rules on adding to my super, both on caps and age limits? \u2013 Tian<\/p>\n<p>A: As you\u2019re retired, it\u2019s not worth making a voluntary concessional contribution that you can claim a tax deduction for unless your income is above $45,000.<\/p>\n<p>Loading&#8230;<\/p>\n","protected":false},"excerpt":{"rendered":"Q: I\u2019m 60 and recently retired. I\u2019m about to come into about $200,000, which I\u2019d like to put&hellip;\n","protected":false},"author":2,"featured_media":622079,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[138,246,111,139,69,244,245],"class_list":["post-622078","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-new-zealand","tag-newzealand","tag-nz","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/622078","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=622078"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/622078\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/622079"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=622078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=622078"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=622078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}