Noel Whittaker's latest Firstlinks column proposes three low-cost reforms: stopping surprise bank account freezes, making lenders mortgage insurance portable, and easing the age pension income test for older workers. Here is what each one would mean if you are in your 40s or 50s.
Noel Whittaker's assessment of the May 2026 Budget is worth a second look, because the changes don't start until 1 July 2027. He shows how a working age pensioner can face an effective tax rate of 54% while wealthier couples keep the full CGT discount.
From the archive: Noel Whittaker on why a good retirement depends on housing, health and friendships as well as super. His practical thinking for anyone planning the next stage of life.
Noel Whittaker's latest Firstlinks column looks at insurance bonds - an old-fashioned investment that sidesteps many of the new capital gains tax traps and makes estate planning simpler. Our summary, with a link to the full article.
