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1 July 2025
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Changes are expected in the superannuation rules in the Federal Budget 2016. Here we list a ‘Deficit Dozen’ of potential amendments.
Please take our simple survey on what you would change (not what you think will change). It will only take a minute or so.
We will publish the first results on Sunday 1 May 2016, two days before the Budget.
The survey is now closed.
The potential changes are:
Are there any other superannuation changes you think may be or should be introduced?
Yes - it is interesting to see what people think about the budget, and the budget is important. I look forward to the results but not as much as I look forward to government and superannuation industry really putting the consumer first.
Hi Stephen, you're correct this survey will have no impact on the Budget, but the fact that over 600 people have responded shows Cuffelinks' readers have an opinion and they want to express it. The comments provide a great insight into what people think about superannuation and possible changes. We will publish the results plus all the comments on Sunday and again in next week's newsletter. Cheers
Why are we spending time and energy on the 2016 Budget? Your survey is unlikely to change what the Government is going to do. We should be spending all this time and energy on the real issue: the fact that Australians are having to deal with the risks of retirement with very little assistance from the industry that should be doing just that - the superannuation industry.
Can anybody raise the issue of same superannuation rules applying to both politicians and common people at this coming election. Any party who promises to change the superannuation rules to politicians will get my vote (and a great majority of votes, I guess). Wow! Am I just a dreamer to expect politicians to act honestly when it comes to their remuneration and perks?
More lazy ill-conceived ideas are coming. So you think you are safe because of fumbling politicians asserting 'no changes being applied retrospectively'? With the last changes to old age pension rules, my then 77 yo sibling on part old age pension could only preserve the old asset test rules provided the super funded pension was never stopped and re-started after 31 December 2014. Effectively this change killed the concept of choice in superannuation provider, locking super provider arrangements as at 31 December 2014 unless willing to suffer the new asset test. Yes says the government, you can still exercise choice in super and escape the expensive for profit superannuation provider, but we will permanently penalise you for doing so. The same advisers and public servants who delivered that outcome will be looking for you in the May 2016 budget. Meanwhile… What is a reasonable after tax income in retirement, measured as a percentage of after tax income before retirement? Without access to the health benefits card, how much additional after tax income from super/investments is required to cover the additional health costs? How does a woman take time out of the paid workforce to raise the next generation of taxpayers and still achieve a reasonable retirement income from superannuation? The blunt rules for additionally taxing incomes over some arbitrary amount does not respect women with low superannuation balances that in later life are still trying to match the males.
Leave super alone. The tax benefits are the carrot required to persuade people to put their life savings into something they cannot touch for 50 years that is subject not only to market forces but the whim of the political ruling class for all those years. Successive govts have suckered working people into believing they need super as they individually don't have the discipline, desire or brains to save and invest for their lifetime in other financial structures not so tied to political will.
Agree with Sharon. Sick of parasitic politicians and public servants, with overly generous superannuation and other benefits provided at public expense, seeking to punish working Australians trying to provide their own retirement monies.
"Parasitic politicians and public servants"sums up the feeling of 80%of the general public.--Why should their superannuation entitlements be any greater than any other Australians.We should be all in the one boat!
Seems to me that the politicians who change the super rules should also obey and use the same super rules as the public. Also, seems to me that the politicians should be able to set the rules and leave them alone. Are they so incompetant that they have to keep changing the rules?
No wonder the black economy exists. Politicians from any party just can't be trusted.
There is no certainty i...and we need to be able to plan ahead...I have had to budget and live within my means...Governments want to get their hands on super and I don't agree with any cuts excep to the Polly Pension and the extras...try that for a start
Thanks for the great response already. Results and all comments published on Sunday night.
Bring back the Reasonable Benefits Limit (RBL). Tax payers should not be underwriting tax-sheltered luxury retirement or inheritance schemes
Add item 13: “tax-free (tax-payer funded) super fund income for life, tax-free (tax-payer funded) distributions for life, free (tax-payer funded) public transport for life, free (tax-payer funded) healthcare and medicines for life, free (tax-payer funded) utilities for life, plus a free slave for life.
To Gary M. I'll be the slave as long as I can play tennis at your place!
Superannuation is both a revenue source from taxes and a cost from concessions. The Parliamentary Budget Office (PBO) has released its first 'super explainer' and it shows how they think and perhaps future targets.
Among the share success stories is a poor personal experience as Telstra's service needs improving. Plus why the new budget announcements on downsizing and buying a home don't deserve the super hype.
A conversation with Government officials on the proposed super changes shows there is some logic behind those numbers.
Sydney is set to become the world’s most expensive city for housing over the next 12 months, a new report shows. Our other major cities aren’t far behind unless there are major changes to improve housing affordability.
The Government's proposed tax has copped a lot of flack though I think it's a reasonable approach to improve the long-term sustainability of superannuation and the retirement income system. Here’s why.
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 $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.
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.
Australia's superannuation inequities date back to poor decisions made by Parliament two decades ago. If super for the wealthy needs resetting, so too does the defined benefits schemes for our public servants.
For much of Australia’s history, each new generation has been better off than the last: better jobs and incomes as well as improved living standards. A new report assesses whether this time may be different.
In selling the super tax, Labor has repeated Treasury claims of there being $50 billion in super tax concessions annually, mostly flowing to high-income earners. This figure is vastly overstated.
The latest lists of Australia’s wealthiest individuals show that while overall wealth has continued to rise, gains by individuals haven't been uniform. Many might have been better off adopting a simpler investment strategy.
As inflation eases, the Albanese government is switching its focus to lifting Australia’s sluggish productivity. Can corporate tax cuts reboot growth - or are we chasing a theory that doesn’t quite work here?
April’s sharp rebound may feel familiar, but are V-shaped recoveries really more common in the post-COVID world? A look at market history suggests otherwise and hints that a common bias might be skewing perceptions.
Old distinctions between developed and emerging market bonds no longer hold true. At a time where true diversification matters more than ever, this has big ramifications for the way that portfolios should be constructed.
As the July school holiday break nears, here are some investment classics to put onto your reading list. The books offer lessons in investment strategy, financial disasters, and mergers and acquisitions.