Noel Whittaker

Australia

Noel is one of Australia's foremost financial commentators with 20 best selling books including the million seller Making Money Made Simple

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Articles

We have $8m in an SMSF. How can we avoid the new super tax?

3 days ago | smh.com.au | Noel Whittaker

Money columnist June 25, 2025 — 5.01am, register or subscribe to save articles for later. Add articles to your saved list and come back to them any time. Assuming the proposed new super tax proceeds: our SMSF will hold about $8 million at June 30, 2025, with 58 per cent allocated to my account and 42 per cent to my wife’s. We’ll each draw a minimum pension of 9 per cent in 2025/26, totalling around $333,000.
Interest rates, property market risks, and investment tips

5 days ago | canberratimes.com.au | Noel Whittaker

Interest rates are trending down, and if that continues, both property and shares should deliver strong returns over the coming decades. But those returns depend on buying value at the start - and most investors simply don't have the skill to do that consistently. Subscribe now for unlimited access.
Are franking credits hurting Australia’s economy?

1 week ago | firstlinks.com.au | Noel Whittaker |James Gruber |Tony Dillon

Reader: "I subscribe to two newsletters. This is my first read of the week. Thank you. Excellent and please keep up the good work!"Reader: "Keep it up - the independence is refreshing and is demonstrated by the variety of well credentialed commentators."Reader: "I can quickly sort the items that I am interested in, then research them more fully.
The big changes coming to pension rates from July

1 week ago | smh.com.au | Noel Whittaker

Money columnist June 18, 2025 — 5.01am, register or subscribe to save articles for later. Add articles to your saved list and come back to them any time. Christmas is coming early for many senior citizens, with significant changes to the age pension from July 1. The pension rates themselves are not changing, but the thresholds that determine how much pension is paid have been adjusted for inflation.
Will the new super tax hurt my pension account earnings?

1 week ago | smh.com.au | Noel Whittaker

Money columnist June 18, 2025 — 5.01am, register or subscribe to save articles for later. Add articles to your saved list and come back to them any time. You have written that Division 296 proposes a new tax on unrealised capital gains made by superannuation funds with balances above $3 million. I am confused by this. Does it mean that earnings within my pension account – which are currently tax-free – will now be taxed if my total super balance exceeds $3 million?
The big changes coming to pension rates from July

1 week ago | watoday.com.au | Noel Whittaker

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Superannuation tax concerns: Unrealised gains explained

1 week ago | canberratimes.com.au | Noel Whittaker

Labor's attempt to tax unrealised capital gains in super has resulted in an avalanche of emails. Today we'll look at some of the most asked questions. Subscribe now for unlimited access.
My super fund is closing one of my accounts. What should I do?

2 weeks ago | smh.com.au | Noel Whittaker

Money columnist June 11, 2025 — 5.01am, register or subscribe to save articles for later. Add articles to your saved list and come back to them any time. My super fund wrote to me saying they’re closing one of my accounts and moving the balance into their cash option. Should I leave it there, or transfer the money to my bank account? It’s a sad fact that the cash options in many super funds often pay less interest than what you could earn in a regular bank account in your own name.
Strategies to help retirees save tax this financial year

2 weeks ago | thesenior.com.au | Noel Whittaker

June 30 is fast approaching, so now's the time to get advice on how to save tax. The end of the financial year is crucial for capital gains tax. Create a free account to read this article or signup to continue readingCGT only kicks in when you dispose of the asset - and you must have owned it for more than 12 months to get the 50 per cent discount. For CGT purposes, it's the contract date that counts, not settlement.
Will the new super tax mean my franking credits are taxed twice?

3 weeks ago | smh.com.au | Noel Whittaker

Money columnist June 4, 2025 — 5.01am, register or subscribe to save articles for later. Add articles to your saved list and come back to them any time. I’m concerned about the proposal to tax unrealised capital gains in my super fund. If the fund holds franked shares, my understanding is that the ATO refunds the franking credits because the tax has already been paid at the company level. In other words, franking exists to prevent double taxation. Is that correct?