Money

Super & retirement

Superannuation

Opinion

Bec Wilson Money contributor November 1, 2025 — 5.06am

Most Australians don’t wake up eager to wrestle with their superannuation. They want to save, contribute, tick the box and feel confident they’re doing the right thing. When they do reach out for help, they want a straight answer, not a long wait and a brush-off.

This week one of our members, Margy, hit the wall.

She’d just received a redundancy and decided to put a lump sum into her super. Keen to get the money out of her bank account and working for her retirement, she made the deposit, then rang her fund to confirm how it should be recorded for tax purposes. Should it count as a non-concessional contribution, or could she claim it as a concessional one?

She knew she’d alr

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