Want to know how to manage your money? Need some tips in building your wealth? International best selling author, finance and investment expert, radio broadcaster, newspaper columnist and public speaker – Noel Whittaker is Australia’s money management visionary. Each week, Noel Whittaker answers your questions here. Ask Noel Whittaker through Money’s exclusive online Q&A.
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YOUR QUESTIONS

How to manage your own strata plan

Divorce usually leads to an initial decrease in living standards for both parties.

George Cochrane answers readers' questions about strata management, rebuilding after divorce, and selling investment properties before retirement.

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The rundown on annuities

Illustration: Michael Mucci

Noel Whittaker   Noel Whittaker answers a reader's question about how annuities work.

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Defensive strategy for investors

Illustration: Michael Mucci

Noel Whittaker   Noel Whittaker answers a reader's question about whether to opt for a lower-risk option for superannuation to ride out the volatile times.

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'I'm 60, divorced and I lost my job – help!'

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Noel Whittaker   Personal finance expert Noel Whittaker answers readers' questions.

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Should you keep your investment property or reduce debt?

Illustration: Michael Mucci

Noel Whittaker   Noel Whittaker answers readers' questions.

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How to help your grandkids through uni

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Noel Whittaker   My wife and I are in our mid 60s, self-funded retirees, and would like to contribute to the tertiary education of our two young grandchildren.

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How to be mortgage-free by retirement

Illustration: Michael Mucci

Noel Whittaker   Noel Whittaker answers reader questions, from superannuation to mortgage strategy.

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Plan for age pension changes in 2017

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Noel Whittaker   The age pension is not intended to support those with higher levels of wealth to maintain their capital base.

YOUR QUESTIONS

How to know when a family trust has outlived its purpose

Family trusts outlive their purpose when there are no beneficiaries.

George Cochrane   A reader asks George Cochrane if she should wind up her family trust now there are no beneficiaries.

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How to make super last a (longer) lifetime

Watch it grow.

Noel Whittaker   Our resident personal finance expert answers reader questions.

YOUR QUESTIONS

Should my husband register with Centrelink?

Retirement plans should take account of longer lifespans.

George Cochrane   George Cochrane answers readers' questions, such as whether to register with Centrelink even if you're not entitled to any money.

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Tax deductible renovations

The cost of renovations for an investment property are deducted off capital gains tax, not income tax.

Noel Whittaker   Readers ask Noel Whittaker their financial dilemmas, from the tax deductibility of renovating an investment property to whether to buy their late mother's house.

YOUR QUESTIONS

Your questions

Now is a good time to sell an apartment in Sydney or Melbourne.

A reader wants to know whether their New Zealand Post Office Bonus Bonds and UK Premium Savings Bonds might be worth something.

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Rent is never 'dead money'

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Noel Whittaker   Noel Whittaker answers readers' questions.

Do I pay off the house or save in a super fund?

Ensuring a roof over your head in retirement should be the priority.

George Cochrane   George Cochrane answers your financial questions.

YOUR QUESTIONS

Family finance beyond the wedding

Save for short-term goals like a wedding.

George Cochrane   Readers ask how they can plan for their own retirement and to invest for their children's futures.

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Age pensioners' guide to lending money

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Noel Whittaker   Noel Whittaker answers reader questions on loans from age pensioners, saving for funeral costs and possible changes to superannuation.

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Superannuation to spend not save

You are meant to spend rather than save your super because of tax breaks. Illustration: Michael Mucci

Noel Whittaker   A reader asks why the government insists on minimum super withdrawals once they reach 65, rather than letting them live more frugally.

YOUR QUESTIONS

Shield against partner's shady enterprise

Shield yourself from your spouse's folly. Illustration: Michael Mucci

George Cochrane   How can you protect yourself financially and legally if your spouse insists on entering a "shady" enterprise against your best advice?

Keeping risk levels low

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Noel Whittaker   Wanted: A safe-but-sure mix of investments.

Will block dream cost us dear?

Street view 
shots of a small vacant block 
at 4 Currawong Road, Cardiff Heights. Lake Macquarie City Council is ...

Noel Whittaker   What are the tax implications of a block of land bought to build a home on?

Shares still the way to go

SYDNEY, AUSTRALIA - NOVEMBER 24:  Generic pictures of ASX on November 24, 2014 in Sydney, Australia.  (Photo by Daniel ...

Noel Whittaker   Nervous investor seeks some direction.

Will bequest go west?

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Noel Whittaker   What to do with an overseas inheritance.

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How can I bend the six-year rule?

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Noel Whittaker   A reader wonders what would happen if they rented out their unit for five years and then moved back in?

Does loan type affect tax?

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Noel Whittaker   Is interest claimable if a home is rented out?

Help! Mining town properties have slumped

Karratha town, new home construction continues despite low demand for existing properties for sale. Photo taken by Aaron ...

Noel Whittaker   Investment now worth less than the loan. Does bankruptcy loom?

What happens to my super after I'm gone?

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Noel Whittaker   What is the "taxable component" and how would I calculate that figure?

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What happens if we hit the gifting ceiling?

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Noel Whittaker   Do the Centrelink rules on gifts apply to charitable causes, where the giver receives no benefit at all?

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Can I buy a home for generous relatives?

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Noel Whittaker   Reader wants to know if Centrelink will have objections to him returning a favour.

What's the benefit of a transition to retirement plan?

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Noel Whittaker   How do they work and - a reader asks - what's in it for me?