A father’s $100K superannuation windfall ended up fully in his middle daughter’s hands — not charity, despite his will — exposing how messy super inheritance can be. AFCA ruled in favor of the daughter, citing its bias toward dependants, while revealing only 11% of wills actually guide super payouts. With super now rivaling property as a major asset, experts demand overhaul: charities should be able to be directly named in nominations (currently impossible) and taxed differently to unlock billions for philanthropy. The current two-step process — binding nomination + will — is costly, complex, and leaves gaps for good causes.

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