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.
Noel Whittaker's August newsletter tackles the best way to put money aside for grandchildren — sidestepping the penalty tax of up to 66% on minors' investment income while keeping full control. We summarise the key points.
If you feel you've missed the boat on super, the arithmetic says otherwise: peak earnings, catch-up contribution rules and decades of compounding still ahead make your 50s the most powerful saving decade. Here's how the 2026-27 caps and carry-forward rules work for late starters.
