Register For Our Mailing List

Register to receive our free weekly newsletter including editorials.

Home / Author: David Knox

David Knox

Rethinking super tax concessions for the future

Age Pension costs should not be compared with super tax concessions for future retirees as they apply to different generations and purposes. But what is the long-term financial impact for both individuals and Government?

Australia isn't ageing as quickly as the Government says

The Intergenerational Report uses an outdated method to calculate our ageing population that can lead to unnecessary fear and unhelpful policies. Using a more realistic approach, we're ageing at a much less dramatic pace.

Five proposed changes to superannuation

The taxation of superannuation in Australia is complex, inequitable and subject to regular change. These features reduce the long-term confidence of Australians in their superannuation system. We should do better.

Annuities cost more for women: it's time for unisex rates

Lifetime annuities will become a more important tool to manage longevity, but they are the only part of our retirement income system where the benefit is determined by an individual’s sex. It's time to change.

How the Intergenerational Report misleads on super

Super tax concessions will be worth more than the cost of the pensions in future, but they represent two fundamentally different forms of government support for our retirement income system. Both have a role.

How a sidecar can keep super motoring along

Two sides of the super debate - 9.5% is enough with better use in retirement versus 12% is the minimum for a decent income - are deeply divided, but what if a radical solution could bridge the gap.

Latest Updates

Investment strategies

Warren Buffett is preparing for a bear market. Should you?

Berkshire Hathaway’s third quarter earnings update reveals Buffett is selling stocks and building record cash reserves. Here’s a look at his track record in calling market tops and whether you should follow his lead and dial down risk.

Economy

US election implications for investors and Australia

The return of Donald Trump to the US presidency brings the prospect of more US tax cuts and deregulation, but also more tariff hikes, trade wars and policy uncertainty. Here's what it means for markets going forward.

Retirement

The rising tension between housing debt and retirement balances

Australians are taking more mortgage debt into their 60s than ever before. Retirement planning assumptions haven’t adapted and could result in future income projections that ultimately disappoint retirees.

Investment strategies

Why megatrends can deliver big upside (and downside)

The magnitude and duration of society's most important trends are often underestimated. While these trends are usually touted as a tailwind, one in particular could have dark consequences for many assets.

Property

Fixing the construction industry house of cards

Australia needs to build new homes like never before but construction firms keep going belly up. Unless regulators act now, consumers will continue to carry the can.

Investment strategies

How investor portfolios have become riskier versus history

Risk in portfolios has dramatically increased as time horizons have shortened and investors have piled into equities. It's resulted in a growing disconnect between what investors need and what the financial industry is delivering.

Shares

The abacus, big data and a brief history of indexing

Equity indices have evolved over time, led by step-changes in our ability to manipulate data. Despite the rise of passive investing, they weren't initially meant to be investment tools.

Sponsors

Alliances

© 2024 Morningstar, Inc. All rights reserved.

Disclaimer
The data, research and opinions provided here are for information purposes; are not an offer to buy or sell a security; and are not warranted to be correct, complete or accurate. Morningstar, its affiliates, and third-party content providers are not responsible for any investment decisions, damages or losses resulting from, or related to, the data and analyses or their use. To the extent any content is general advice, it has been prepared for clients of Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892), without reference to your financial objectives, situation or needs. For more information refer to our Financial Services Guide. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Articles are current as at date of publication.
This website contains information and opinions provided by third parties. Inclusion of this information does not necessarily represent Morningstar’s positions, strategies or opinions and should not be considered an endorsement by Morningstar.