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Tuesday, 19 October 2021
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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?
Part 1 of this two-part series on unlisted real estate funds, or syndicates, explores their characteristics and most importantly, how the Net Tangible Asset calculation can be misleading. Every syndicate is unique.
The method chosen to determine the amount of pension payments from superannuation should influence the allocation towards the volatility of growth or income-based assets.
The fiduciary duty of banks, while not legislated, is implied by their central role in the economy. Bank deposits are accepted as 'money', and public confidence in banks is fundamental to a functioning economy.
A clear challenge for superannuation funds is improving customer loyalty as they transition from accumulation phase to pension phase. There is not enough urgency in addressing member retention at this crucial moment.
Arrium's collapse provides a case study on how Australian banks failed to properly monitor loan quality and company developments. Compensation for risk is one thing, but equally crucial is return of capital.
The RBA Governor says rising house prices are due to "the design of our taxation and social security systems". The OECD says "the prolonged boom in house prices has inflated the wealth of many pensioners without impacting their pension eligibility." What's your view?
We tend to forget that house prices often fall. Direct lending controls are more effective than rate rises because macroprudential limits affect the volume of money for housing leaving business rates untouched.
The survey drew a fantastic 2,000 responses with over 1,000 comments and polar opposite views on what is good policy. Do most people believe the home should be in the age pension asset test, and what do they say?
Any policy decision needs to recognise who is affected by a change. It pays to check the data on who pays taxes, who owns assets and who earns the income to ensure an equitable and efficient outcome.
With articles on the pensions assets test read about 40,000 times, 3,500 survey responses and thousands of comments, there was a lot of great reader participation. A few comments added extra insights.
It used to be Down, Down for prices but the new status quo is Down Down for emissions. Until now, the realm of ESG has been mainly fund managers as 'responsible investors', but companies are now pushing credentials.