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Glossary · Super

Transfer balance cap

Also known as: TBC, pension cap

The lifetime limit on how much superannuation can be transferred into the 0%-tax pension phase. Currently $1.9M (indexed); applies per member.

Excess amounts above the cap must remain in accumulation phase (15% tax on earnings) or be withdrawn. For SMSF property the practical effect: high-balance members can’t move all their property equity into the 0%-tax pension regime - the excess sits in accumulation.