News

Shares or property after 45? Start with your timeframe

• investing • nw-original • property • shares • topic-026

Shares or property after 45? Start with your timeframe

Deciding between shares and an investment property in your fifties starts with one question: when do you actually need the money back? Here's how timeframe, the 1 July 2027 tax changes and the option most people overlook should shape the answer.

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Noel in the News: why the bond market, not the Reserve Bank, sets your rate

• bonds • interest rates • investing • Noel in the News • nw-curated • source-noel-news

Noel in the News: why the bond market, not the Reserve Bank, sets your rate

Noel Whittaker's October newsletter explains the one market that quietly shapes mortgage rates, term deposits and the defensive half of your super. Here's what it means if you're between 40 and 60.

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The squeezed forties: building wealth when there's nothing left over

• budgeting • nw-original • topic-025 • wealth building

The squeezed forties: building wealth when there's nothing left over

Your forties are the most expensive decade most Australian households will face — mortgage, school costs, and nothing left at month-end. Here's how small, structured steps still build real wealth, with the 2026-27 super numbers that make them work.

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Noel in the News: the buffer that matters more than the next rate decision

• interest rates • mortgage • Noel in the News • nw-curated • retirement planning • source-noel-news

Noel in the News: the buffer that matters more than the next rate decision

Noel Whittaker's October newsletter looks past the Reserve Bank's next move and asks a more useful question: what happens to your plans if money stays expensive for a while? His answer comes down to two unglamorous habits.

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The downsizer contribution: $300,000 each into super from your home sale

• downsizing • nw-original • superannuation • topic-024

The downsizer contribution: $300,000 each into super from your home sale

If you are 55 or older, you can move up to $300,000 from the sale of your long-held home into super — $600,000 for a couple — completely outside the normal contribution caps. Here is who qualifies, the 90-day deadline that trips people up, and what it does to your age pension.

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