Pre-tax cap never enough for super savers playing catch-up OUR next federal government should consider bringing in a multi-year averaging system on concessional super contributions that would allow savers to "roll up" unused concessions into the next year, says David Anderson of Mercer. The group's local managing director and market leader for the Pacific says that most people younger than 40 in Australia "can probably not even contemplate sacrificing $25,000 a year," the current maximum level at which savers under the age of 60 can make pre-tax contributions to their super.