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8 October 2025
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Super funds should report your future income not a lump sum, the new Division 293 tax on super, the complexities of pension reform and Q&A on lifetime annuities versus indexed bonds.
A simple yet effective improvement to Australia’s superannuation system would be the uniform reporting of projected retirement incomes to keep individuals focused on building enough super for their twilight years.
Division 293 tax has arrived and many high income earners have already received an unexpected tax assessment on their super contributions. Find out the details and whether this new tax will affect you too.
Tightening pension eligibility is not as simple as just upping the age limit. There are valid arguments for and against any increase and it will depend on the details whether it will be good policy or not.
Any change to the pension eligibility age should consider the differing situations that influence an individual’s working life, health and mortality. If a labourer can’t work beyond 60 it’ll be a long wait to access a pension.
The National Commission of Audit report released yesterday will influence government policies for many years, and it makes some radical suggestions on entitlements and eligibility.
This AI cycle feels less like a revolution and more like a rerun. Just like fibre in 2000, shale in 2014, and cannabis in 2019, the technology or product is real but the capital cycle will be brutal. Investors beware.
An explosion in low-skilled migration to Australia has depressed wages, killed productivity, and cut rental vacancy rates to near decades-lows. It’s time both sides of politics addressed the issue.
LICs are continuing to struggle with large discounts and frustrated investors are wondering whether it’s worth holding onto them. This explains why the next 6-12 months will be make or break for many LICs.
Australian housing’s 50-year boom was driven by falling rates and rising borrowing power — not rent or yield. With those drivers exhausted, future returns must reconcile with economic fundamentals. Are we ready?
Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?
This week, I got the news that my mother has dementia. It came shortly after my father received the same diagnosis. This is a meditation on getting old and my regrets in not getting my parents’ affairs in order sooner.