Description
Super is the best deal you’ll ever get from the taxman. Most people still don’t use it properly.
No other investment lets you hold assets in a low-tax environment while making tax-deductible contributions. That’s not an exaggeration – it’s the tax law. And yet every year, thousands of Australians pay more tax than they need to, choose the wrong investment option for their age, or make a superannuation decision that can’t be undone, simply because nobody explained the rules to them in plain English.
The problem is that those rules don’t sit still. Contribution caps change. Tax treatment changes. Centrelink thresholds change. A superannuation book written even two years ago is already out of date and in this game, an outdated answer can be worse than no answer at all.
Super Made Simple is Noel Whittaker’s most current edition, updated for today’s rules. It takes one of the most complicated areas of Australian financial life and, true to its name, makes it simple.
Inside, you’ll find clear, current answers to the questions that matter most:
- How much you can contribute this year – and the smartest way to do it
- The tax rules that apply to your super, at every stage of life
- The latest Centrelink age and asset tests, and how they interact with your super
- Up-to-date investment performance data showing how the right choice can mean hundreds of thousands of dollars more at retirement
- Retirement income streams and how to structure them
- Estate planning and death benefits – including who gets taxed, and how to avoid it
- What happens to your super in a relationship breakdown
- Transition-to-retirement strategies if you want to wind back work without winding back your income
Every explanation comes with real numbers and real examples. No jargon, no filler, no chapters you’ll skip.
“I’ve just finished the updated Super Made Simple and am halfway through Wills, Death & Taxes Made Simple. I think I might be turning into a finance nerd! … I’m happy to report that my retirement will be very comfortable, and I have no doubt that your advice played a big part in that.”
— Tracey, Noel News reader
Whether you’re 25 and just starting to pay attention to your super, or 60 and trying to get every last dollar of value out of it before you retire, this book will show you exactly where you stand — and exactly what to do next.
It’s never too early, or too late, to get your super right.
