James has also offered advice on how to defend your super from fraud.
Scroll down to the comments section below, to see his answers to your questions.
***
Please note this is a general advice forum — we are not offering personal advice of any kind. James has endeavoured to answer as many questions as possible in the timeframe permitted, with a view to helping as many subscribers as possible.
We are planning to produce a series of similar subscriber-only sessions on investment issues that matter to you, and these will be promoted on www.theaustralian.com.au over the coming weeks, so stay tuned. We also cover these topics regularly in the Wealth section.

James KirbyAssociate Editor - Wealth James Kirby, Associate Editor-Wealth, is one of Australia’s most experienced financial journalists. James hosts The Australian’s twice-weekly Money Puzzle podcast.He is a regular commentator on radio and television, the author of several business biographies and has served on the Walkley Awards Advisory BoardHe was a co-founder and managing editor at Business Spectator and Eureka Report and has previously worked at the Australian Financial Review and the South China Morning Post. Since January 2025 James is a director of Ecstra, the financial literacy foundation.
More related stories
BusinessThe best stock for our wealthy elite was a crash repair company, though a chemist giant stole the show in the past 12 months. Otherwise, it was tougher times for billionaires in casino, pizza and battery minerals stocks.
Read more
BusinessMajor Australian super funds were reconsidering their exposure to the US before Scott Bessent backed away from the so-called ‘revenge tax’. They’re still nervous of Donald Trump’s erratic decision-making.
Read more
This week’s live Question & Answer session with Wealth Editor James Kirby has tackled the question: Could a criminal crack your super fund?