One of the biggest Lifetime CGT Cap traps is not the contribution itself — it’s when you make it.
The Problem:
While Lifetime CGT Cap contributions don’t use NCC caps directly, they still count toward Total Super Balance (TSB).
Why This Matters:
A large CGT contribution before 30 June may:
- Push TSB above key thresholds
- Eliminate next year’s NCC cap
- Cancel bring-forward opportunities
Planning a Lifetime CGT Cap Contribution?
The timing of a contribution can be just as important as the contribution itself. Small timing decisions around Total Super Balance thresholds may significantly affect future non-concessional contribution opportunities and bring-forward access.
Visit our Contact Us page to discuss your super contribution and retirement planning options.
Strategic Lesson:
Sometimes waiting days — not years — can produce dramatically better super outcomes.
Disclaimer and Warning
The information above is of a general nature only. It should not be used as a source to make financial decisions. It’s also important to note that the legislation and figures related to this topic tend to change regularly and therefore the information above may not reflect the current status. We recommend that if you are looking for advice on this matter, you should contact us.