![](http://web.archive.org./web/20160708204708im_/http://images.smh.com.au/2010/05/31/1527247/noel-whittaker620.jpg)
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.
RSS
ASK NOEL
When to switch super to pension mode
![Illustration: Simon Letch](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/p/u/r/p/j/image.related.thumbnail.90x60.gpuj7l.png/1467708224515.jpg)
Noel Whittaker Financial expert Noel Whittaker answers readers' questions.
ASK NOEL
Get started with options trading
![<P>](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/p/s/h/5/z/image.related.thumbnail.90x60.gpsn4l.png/1467096253529.jpg)
Noel Whittaker Financial expert Noel Whittaker answers readers' questions. Plus we have 10 copies of his book to give away.
ASK NOEL
Is a vacant investment property tax deductible?
![Illustration: Simon Letch](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/p/l/1/x/4/image.related.thumbnail.90x60.gpl1ke.png/1466497889432.jpg)
Noel Whittaker Financial expert Noel Whittaker answers readers' questions.
ASK NOEL
'I withdrew money from super and can't re-contribute'
![Read the fine print before you withdraw money from your superannuation fund. Illustration: Simon Letch](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/p/e/n/k/b/image.related.thumbnail.90x60.gpen2y.png/1466555073217.jpg)
Noel Whittaker Financial expert Noel Whittaker answers readers' questions.
ASK NOEL
'Help! Aussie dollar might fall before I retire abroad'
![Retiring overseas has its own specific challenges. Illustration: Simon Letch](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/p/9/9/h/p/image.related.thumbnail.90x60.gp99r3.png/1465287969410.jpg)
Noel Whittaker Financial expert Noel Whittaker answers questions from readers.
ASK NOEL
What happens if I exceed the $500k super limit?
![Illustration: Simon Letch](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/p/4/d/f/m/image.related.thumbnail.90x60.gp4dnm.png/1464690339655.jpg)
Noel Whittaker Financial expert Noel Whittaker answers questions from readers.
ASK NOEL
Why are returns on insurance bonds so low?
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/y/o/h/1/image.related.thumbnail.90x60.goyd2y.png/1464078340244.jpg)
Noel Whittaker Financial expert Noel Whittaker answers readers' questions.
ASK NOEL
Ask Noel: I can't contribute to super – really?
![A reader who has contributed more than $500,000 to super over the last 10 years seeks advice on whether making a ...](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/n/n/o/u/image.related.thumbnail.90x60.goshtb.png/1463475660068.jpg)
Noel Whittaker Financial expert Noel Whittaker answers questions from readers.
ASK NOEL
Ask Noel: super v term deposit
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/m/y/o/a/image.related.thumbnail.90x60.gomraf.png/1462874588176.jpg)
Noel Whittaker Financial expert Noel Whittaker answers money-related questions from readers.
ASK NOEL
How can I use equity in my home?
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/j/k/1/c/image.related.thumbnail.90x60.gojk0r.png/1462372629739.jpg)
Noel Whittaker Financial expert Noel Whittaker answers personal finance questions from readers.
YOUR QUESTIONS
Does real estate preserve capital?
![What is the best way to preserve capital for self-funded retirement?](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/a/w/q/v/image.related.thumbnail.90x60.gobl26.png/1462081342962.jpg)
George Cochrane Financial expert George Cochrane answers personal finance questions from readers.
ASK NOEL
What's the reason for the gifting rules?
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/b/z/j/i/image.related.thumbnail.90x60.goavvg.png/1461679756892.jpg)
Noel Whittaker Financial expert Noel Whittaker answers money questions from readers.
YOUR QUESTIONS
Can we afford our bucket list?
![Tackle the bucket list – you'll never be this young again.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/a/w/r/n/image.related.thumbnail.90x60.goawfh.png/1461402605702.jpg)
George Cochrane Financial expert George Cochrane answers money questions from readers.
ASK NOEL
Only minimal capital gains tax to pay on winnings
![Superannuation can be a good way to invest when you have a mortgage and savings. Illustration: Simon Letch](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/o/3/f/r/j/image.related.thumbnail.90x60.go3sbv.png/1461056565927.jpg)
Noel Whittaker Noel Whittaker answers your questions.
YOUR QUESTIONS
Super pensions the way to go
![Government may restrict superannuation contributions in the May budget.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/k/y/0/v/k/image.related.thumbnail.90x60.go4b8j.png/1461029931323.jpg)
George Cochrane A risk-averse couple want help with how to structure their finances in retirement.
YOUR QUESTIONS
Your Questions: How to claim a foreign pension
![How much you require for retirement depends on how much you need to live on.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/1/m/r/5/7/h/image.related.thumbnail.90x60.go089y.png/1463965957924.jpg)
George Cochrane Financial expert George Cochrane answers readers' questions.
ASK NOEL
Is divorce grounds to access super?
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/n/a/r/a/f/image.related.thumbnail.90x60.gnarxu.png/1457425800490.jpg)
Noel Whittaker If a family court compels you to sell your home, can you get access to super to buy a new one?
YOUR QUESTIONS
Your Questions: International Women's Day special edition
![It can be hard to save while you're living hand to mouth as a uni student.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/w/6/o/w/image.related.thumbnail.90x60.gn8c5t.png/1457214541185.jpg)
George Cochrane Financial expert answers questions from women ahead of International Women's Day on March 8.
YOUR QUESTIONS
How do I recover a family loan in a divorce
![Family loans can become problematic in the case of divorce.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/n/b/r/1/image.related.thumbnail.90x60.gn3b6n.png/1464760892065.jpg)
George Cochrane A reader asks how she can recover a housing loan to her daughter, now that divorce is on the cards and her soon to be former son-in-law is claiming it is a gift.
ASK NOEL
Are volatile shares worth the pain?
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/n/4/a/6/g/image.related.thumbnail.90x60.gn1ncz.png/1456838636279.jpg)
Noel Whittaker A reader asks Noel Whittaker how dividend income overcomes the volatility of shares.
ASK NOEL
Save for education with investment bonds
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/x/k/0/l/image.related.thumbnail.90x60.gmu2n3.png/1456216125114.jpg)
Noel Whittaker Noel Whittaker answers readers' questions.
YOUR QUESTIONS
'Messy' retirement decisions
![Tough decisions about which properties to sell and which to keep.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/h/f/y/a/r/image.related.thumbnail.90x60.gmwx5p.png/1457849700784.jpg)
George Cochrane George Cochrane answers questions from readers.
ASK NOEL
Giving money away to get pension
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/s/f/t/f/image.related.thumbnail.90x60.gmsftz.png/1455847514325.jpg)
Noel Whittaker Money expert Noel Whittaker answers readers' questions.
YOUR QUESTIONS
What to do with an inheritance
![Maintain your home in case you need to sell it to fund aged care.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/i/e/l/z/o/image.related.thumbnail.90x60.gmregu.png/1462687314620.jpg)
George Cochrane George Cochrane answers readers' questions.
YOUR QUESTIONS
How to manage your own strata plan
![Divorce usually leads to an initial decrease in living standards for both parties.](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/k/u/0/q/f/image.related.thumbnail.90x60.gml7ru.png/1458438006509.jpg)
George Cochrane answers readers' questions about strata management, rebuilding after divorce, and selling investment properties before retirement.
ASK NOEL
The rundown on annuities
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/m/o/v/0/image.related.thumbnail.90x60.gml31o.png/1455023687192.jpg)
Noel Whittaker Noel Whittaker answers a reader's question about how annuities work.
ASK NOEL
Defensive strategy for investors
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/g/z/7/9/image.related.thumbnail.90x60.gmefw7.png/1454499314289.jpg)
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.
ASK NOEL
'I'm 60, divorced and I lost my job – help!'
![<P>](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/a/t/r/j/image.related.thumbnail.90x60.gma1yb.png/1453344501451.jpg)
Noel Whittaker Personal finance expert Noel Whittaker answers readers' questions.
ASK NOEL
Should you keep your investment property or reduce debt?
![Illustration: Michael Mucci](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/5/w/d/w/image.related.thumbnail.90x60.gm4s1o.png/1453190488313.jpg)
Noel Whittaker Noel Whittaker answers readers' questions.
ASK NOEL
How to help your grandkids through uni
![<p>](/web/20160708204708im_/http://www.theage.com.au/content/dam/images/g/m/1/9/p/z/image.related.thumbnail.90x60.gm0oq0.png/1452663369881.jpg)
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.