6 min readUpdated July 2026
The 3-year lapse rule, explained without jargon
SIS Reg 6.17A in plain English — why binding nominations expire, and how to know when yours does.
Read the guide →Resources
Guides
Plain-English writing on the one problem we're obsessed with: making sure your super goes to the right people, the first time. Every guide is grounded in the SIS Act, current SIS Regulations and ATO guidance — with sources linked at the bottom of each article.
5 min readUpdated July 2026
Who counts as a SIS dependant?
Spouses, children, financial dependants, interdependency partners — and who doesn't.
Read the guide →7 min readUpdated July 2026
Non-lapsing vs binding vs reversionary
The four nomination types Australian funds offer, and when each is the right pick.
Read the guide →4 min readUpdated July 2026
How to witness a BDBN correctly
Both witnesses, 18+, not named as beneficiaries, signing together with you present. Miss one condition and the form voids.
Read the guide →8 min readUpdated July 2026
Blended families and BDBNs
Second marriages, step-children, first-marriage children — structuring a nomination that doesn't cause a legal fight.
Read the guide →7 min readUpdated July 2026
SMSFs and death benefits
Self-managed super funds change the game entirely — trust deed, trustee succession, control after death.
Read the guide →Each guide is written with reference to the SIS Act 1993 (Cth), the SIS Regulations 1994, and current ATO and APRA guidance. Sources are cited in every article. None of this is personal financial, tax or legal advice — for that, see a licensed adviser or solicitor.