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9 July 2025

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Edition: 155

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Edition 155

  • 13 May 2016

I wonder if there is any other country where retirement incomes policies command such a high profile in an election campaign. Even stranger, the main political arguments are whether the policies can be defined as retrospective. Last week's article on the superannuation changes generated more comments than any of the previous 1,000+ articles we have published. This week, Graham argues the policies of both major parties fall into their own tests on retrospectivity. Now you've had time to digest the Budget, please fill in our survey on your reaction to it and retrospectivity.

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.

The vital role of insurance in super for disability care

For younger people who are yet to build their superannuation to a decent size, death and TPD insurance cover within super can make a huge difference if they are in need of disability care.

What credit spreads reveal about share markets

Understanding how credit spreads relate to share prices and what they can reveal about where we are in the stock market cycle can be useful information for the long-term investor.

Do investment principles stand test of time?

A comparison of superannuation investment strategy outcomes over two decades for three types of investors: a baby, a 20-year-old and a 40-year-old, shows the benefits of time and the value of compounding.

A world-class retirement incomes policy?

New research on Australia's retirement income policy argues many people (and the Budget) would be better off without compulsory super, especially when the welfare benefits of increasing home ownership are considered.

Anti-detriment abolition: death duty on the sly

Few people understand how valuable the 'anti-detriment' benefit was, which means there is little focus on how the Budget will collect $350 million from you in only two years. Imagine if they announced new death duties.

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7 examples of how the new super tax will be calculated

You've no doubt heard about Division 296. These case studies show what people at various levels above the $3 million threshold might need to pay the ATO, with examples ranging from under $500 to more than $35,000.

The revolt against Baby Boomer wealth

The $3m super tax could be put down to the Government needing money and the wealthy being easy targets. It’s deeper than that though and this looks at the factors behind the policy and why more taxes on the wealthy are coming.

Meg on SMSFs: Withdrawing assets ahead of the $3m super tax

The super tax has caused an almighty scuffle, but for SMSFs impacted by the proposed tax, a big question remains: what should they do now? Here are ideas for those wanting to withdraw money from their SMSF.

Are franking credits hurting Australia’s economy?

Business investment and per capita GDP have languished over the past decade and the Labor Government is conducting inquiries to find out why. Franking credits should be part of the debate about our stalling economy.

Here's what should replace the $3 million super tax

With Div. 296 looming, is there a smarter way to tax superannuation? This proposes a fairer, income-linked alternative that respects compounding, ensures predictability, and avoids taxing unrealised capital gains. 

The huge cost of super tax concessions

The current net annual cost of superannuation tax subsidies is around $40 billion, growing to more than $110 billion by 2060. These subsidies have always been bad policy, representing a waste of taxpayers' money.

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