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Graham

Results of retrospectivity and Budget survey

The proposed superannuation changes in the 2016 Budget generated the full range of emotions, from outrage to praise. The comments among the 700 responses reveal as much as the overall scores.

Retrospectivity ain’t what it used to be

In recent months, both sides of politics have explained what they mean by 'retrospective' changes to policy, and their new superannuation rules fall into their own definitions.

Budget shocks limit large super balances

The radical changes to contribution caps and retrospective treatment of large balances in pension accounts will force many people to reconsider their retirement plans.

Results from superannuation changes survey

The Reader Survey on potential superannuation changes showed again how passionate and engaged our readers are, attracting around 700 responses. Full details with comments show wide diversity of views.

Targeting of superannuation concessions

There are two massive changes to super in the Budget: a $1.6 billion cap on the amount that can be held in super tax-free, and a $500,000 lifetime cap on non-concessional contributions.

Survey on potential superannuation changes in Budget 2016

Please take our survey on your attitude to potential changes in the superannuation rules in the Federal Budget 2016. It will only take a minute or so. What would you change?

Latest Updates

Retirement

The retirement account that Australia should have

Our retirement system asks one account to do two very different jobs. A dedicated "rainy day" account separating income from emergency savings could deliver better outcomes and greater peace of mind for retirees.

Investing

What the US midterm results mean for investors

Democrats have regained control of Congress, changing the equation in Washington. Whether that proves positive for investors will depend less on the result itself and more on what happens next for growth and markets.

Taxation

Should the capital gains tax reward risk?

A reader query on the recent CGT reforms has revealed a bigger issue. One overlooked feature of the old system may have done more than compensate for inflation. As we move to indexation, are we forgetting to reward risk?

Investment strategies

Bonds: The income and diversification trade-off

Rising yields have made bonds attractive again, but that does not mean they will behave as expected. As inflation, fiscal pressures and geopolitical risks reshape markets, the role of bonds may be more complicated than it appears.

Investment strategies

Why high-dividend investing deserves another look

Income investors have endured several lean years, but signs of a recovery are emerging. As opportunities improve, investors face an important choice between chasing headline yields and building a reliable source of income.

Investment strategies

Why 'overvalued' has been such an expensive word

Investors love simple rules, especially when markets appear stretched. Yet some of the strongest returns have arrived when the outlook seemed least attractive. This leaves an important question that history struggles to answer.

Investment strategies

AI – A good kind of bubble or just a bubble?

Investor obsession with AI is attracting unprecedented amounts of capital and confidence. But beneath the excitement lies uncertainties about returns, funding and risks that enthusiasts may not be paying enough attention to.

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