When I discussed the $500,000 non-concessional cap matter directly with Scott Morrison here in Perth, in addition to an irrelevant comment about Treasuring advising that the average non-conc. amount was $45,000, the main response he gave was that you can still contribute to a Pension up to $1.6 million. When I explained that you cannot contribute to a Pension fund, except via a super fund, I realised the poor chap had next to no idea what he was talking about, & quit while I was ahead. Hence this ridiculous mess