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Andrew Gale

The reforms that our retirement system needs

Australia should change its retirement system so people can easily access targeted support to plan their futures and fund their lifestyles by having greater work flexibility and access to equity in their homes.

The net cost of superannuation concessions is not so gross

The costs of super concessions are usually quoted in gross terms, ignoring offsetting behavioural changes and social security savings. The impact of very large balances should be measured in net terms.      

The mechanics of the $3 million super tax must be fixed

Most people accept there should be a limit to the tax concessions for high super balances, but the mechanics of Government's $3 million proposal must be fixed before it is legislated. Treasury missed the detail.

Retirement savings and age pension black holes

It’s surprising there has not been more outcry about the age pension taper test in a low rate environment, where a ‘black hole’ creates a perverse impact of less retirement income the more a retiree has saved.

More SMSF myths debunked

Continuing from last week's article on superannuation myths, here's another five myths relating SMSFs. Separating fact from fiction is a good first step towards effective discussion and informed policy.

Four big fat myths of superannuation

We hear about what's wrong with our superannuation and retirement income systems and over time, exaggeration has crept in. We need to dispel myths and have a clear fact base as the foundation for discussion and policy.

Latest Updates

Property

Australian house prices close in on world record

Sydney is set to become the world’s most expensive city for housing over the next 12 months, a new report shows. Our other major cities aren’t far behind unless there are major changes to improve housing affordability.

Strategy

CBA, AUSTRAC and our Orwellian privacy laws

Imagine waking up to an email from your bank demanding to know if you keep cash at home - and threatening to freeze your accounts if you don't respond in seven days. This happened to me and it raises some disturbing questions. 

SMSF strategies

The ultimate superannuation EOFY checklist 2025

Here is a checklist of 27 important issues you should address with your advisers before June 30 to ensure your SMSF or other fund are in order and that you are making the most of the strategies available.

Shares

Why 'boring' Big Four banks remain attractive

Despite a brief correction last month, Australian bank share prices have continued their impressive runs. Recent results show the banks remain in good shape though some are faring better than others. 

Investment strategies

Ophir on Trump, constant improvement, and Life360

In this interview, Ophir’s Andrew Mitchell outlines how he’s handled recent Trump-fuelled volatility, his three key criteria for picking stocks, and why he thinks Life360 is set for much bigger things.

Investment strategies

Investor warns of danger in Big Super’s pet asset class

Dan Rasmussen says the flood of capital into private assets outstrips the opportunity set and the economic substance of most companies being bought and lent to. When inflows turn to outflows, the impact could be stark.

Economy

Government investment is remarkably effective

A new study challenges the myth that government spending is wasteful - public investment, especially outside the US, can yield major long-term economic gains, often outperforming private investment in driving GDP growth.

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