I’ve seen you recommend adding money to super after retirement. I thought you had to be employed to make contributions. How does it work?

You can make non-concessional (non-tax-deductible) contributions up to age 75, provided your total super balance is under $2 million at the time you contribute. Concessional (tax-deductible) contributions can be made by anyone under 67, but from 67 to 75 you must meet the work test, which requires working 40 hours within 30 consecutive days.

Topping up your super in retirement is easier than you might think.Credit: Simon Letch

I’d like clarification about a reversionary pension. My wife and I currently live on my super pension. If I die, the pension would revert to her. She has her own super in accumulation – about $900,000 – and my reversionary pension would be around $2 million, which equals the current Transfer Balance Cap. Is that acceptable? Put simply, can she have any amount in accumulation, even above the cap, provided she does not exceed the TBC when receiving my reversionary pension?

Mindy Ding of the Entireti Technical team says that on your demise, the ownership of your pension reverts to your wife. The value........

© The Sydney Morning Herald