Can I make a personal contribution of $150,000 without triggering the bring-forward rules?

(Newbie)Newbie

30 Jan 2026

I am a self funded retiree. I would like to make the max allowable annual Super contributions of $120,000 non-concessional AND $30,000 concessional, by contributing $150,000 as a personal contribution and claiming $30,000 as a tax deduction. Two questions:

Is this possible or will the $150,000 contribution trigger the bring forward rule?

Will the $30,000 deduction be re-classified as non-concessional such that both contributions remain within their annual limits?

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Glenn4802

(Devotee)Devotee

30 Jan 2026

Initially, the $150k will be classified as non-concessional. One you have a valid notice of intent processed by the fund, $30k will be reclassified as concessional contributions. The ATO records reflecting that change might take some time to update but eventually will.

You will not trigger the bring forward rules.

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