Putting money into superannuation in 2016 and splitting contributions with your spouse are among the strategies advisers are pitching to workers approaching retirement to get around budget changes.

If the measures announced on Tuesday go through, from July 1, 2017, retirement savers will be able to put only a flat $25,000 a year before tax into super, instead of the current $30,000 if they are younger than 50 or $35,000 if they are older than 50. Those earning between $250,000 and $300,000 a year will also have their tax rate doubled on concessional super contributions to 30 per cent.