Your super has two phases, and the move from accumulation to pension phase is the moment the tax on your fund's earnings can drop to zero. Here's how the switch works, when you're allowed to make it, and the caps and minimums to know about.
In his September newsletter, Noel Whittaker looks past the political brawl over superannuation and explains why compulsory super quietly works. Automatic contributions plus decades of compounding can turn an average wage into a seven-figure balance.
Noel Whittaker weighs into the debate about opening up super for house deposits — and explains why the system only works if it keeps its one job. Our summary, with a link to the full column.
When one partner's super is a fraction of the other's, the system offers three built-in fixes: spouse contributions, contribution splitting and smarter use of the caps. Here's how each works, with the current figures.
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.
