Some super savers over 55 with less than $500,000 in their retirement savings have a “sweet spot” opportunity to contribute almost $900,000 in one calendar year.

Making the most of catch-up concessional (pre-tax) and “bring forward” non-concessional (after-tax) contributions plus using the popular downsizer contribution could enable contributions of $897,500, says Adrian Raftery, principal of chartered accountant Mr Taxman.