Nick Bruining: Savings bonds are back to dodge $3m super tax whack, but they’re not just for the wealthy …

With the upcoming debate on a new 15% tax on superannuation balances over $3 million, older-style savings bonds are gaining attention as a simpler, flexible investment option offering tax-free savings. Unlike the proposed super tax, which applies to unrealized gains, these bonds incur a 30% tax only on actual earnings and capital gains, providing potential tax efficiency and early access benefits.

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