Around 4 million Australians hold two or more super accounts, and each spare account quietly drains fees and insurance premiums. Here's what consolidating actually saves, what to check first, and how to do it in about 20 minutes.
In the August issue of Noel News, Noel Whittaker walks through the mechanics of insurance bonds — the 10-year rule, the 30 per cent rebate, and why they can bypass your estate entirely. Here's what it means for investors in their 40s and 50s.
The contribution caps went up on 1 July, giving you more room to build super than most people realise. Here's how the two caps work in 2026–27, the catch-up rules that favour people in their 40s and 50s, and what really happens if you go over.
In his August newsletter, Noel Whittaker answers reader questions on how the new capital gains tax rules treat inherited shares and property. The timing of a death — and good records — can now change a family's tax bill dramatically.
Salary sacrifice sounds like something for high flyers with accountants, but it's simply redirecting part of your pre-tax pay into super — and between 45 and 60 it does its best work. Here's how the tax saving actually works in 2026–27, how much you're allowed to put in, and how to set it up.
