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21 March 2026
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Jeremy Cooper updates his views on super and retirement, plus Don Stammer on super losing its lustre, worries in demographic trends, portfolio diversification, watch for 'skill or systemic' in outperformance, and new video.
The ability of active fund managers to produce outperformance is generally attributed to a unique skill set. However, there are proven contributors to performance which are persistent and systematic, not manager skill.
I think the legislation based on the Cooper Review recommendations looks pretty good overall, although naturally, compromises have occurred. The big disappointment, though, is retirement.
In recent years, our retirement arrangements, and particularly the superannuation component, have been losing their lustre because of the many changes in regulations already made and in prospect.
Australia is at a critical point on four fronts - economic growth, capital allocation, public finance and personal management of retirement income. Demographics provides a road map of where we are heading.
The majority of super fund members in ‘balanced funds’ have sizeable allocations to bonds, global shares and listed property. SMSFs have over 60% of their assets in just cash, deposits and Australian shares.
A more rational taxation system that supports home ownership but discourages asset speculation could provide greater financial support to first home buyers.
The capital gains tax discount is under review, but debate should go beyond its size. Its original purpose, design flaws and distortions suggest Australia could adopt a better, more targeted approach.
One in five Australians die before retirement and most have not set up their super properly so their loved ones can benefit from all their hard work and savings.
An ageing Australia is shifting the superannuation system’s focus from accumulation to the lifecycle of retirement. While these pressures have been anticipated for decades, they are now converging at scale and driving widespread industry change.
The best way to deal with the incoming Division 296 tax on superannuation is likely doing nothing. Earnings will be taxed regardless of where the money sits, so here are some important considerations.
The 20 years after Peter Costello left Treasury have been deemed wasted...by Peter Costello. The missed opportunities for Australia began long before.