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27 June 2026
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Across the globe, leaders are concerned about the fallout from declining birth rates and shrinking populations. Australia, though attractive to migrants, mirrors global birth rate declines, and faces its own challenges.
We are often quoted life expectancy at birth but what matters most is how long we should live as we grow older. It is surprising how short this can be for people born last century, so make the most of it.
Healthcare has been a bright spot in an otherwise challenging environment for commercial property. With an ageing population, the sector's future remains bright, and here's a look at the best ways to play it.
Baby boomers will account for a third of population growth between 2024 and 2029, making this generation the biggest age-related growth sector over this period. They will shape the housing market with their unique preferences.
Australia will have 3.7 million more people in a decade's time, though the growth won't be evenly distributed. Over 85s will see the fastest growth, while the number of younger people will barely rise.
Age Pension costs should not be compared with super tax concessions for future retirees as they apply to different generations and purposes. But what is the long-term financial impact for both individuals and Government?
The Intergenerational Report uses an outdated method to calculate our ageing population that can lead to unnecessary fear and unhelpful policies. Using a more realistic approach, we're ageing at a much less dramatic pace.
The Intergenerational Report features an ageing population and rising aged care demand as key long-term themes. These trends reinforce the need for Australians to consider their aged care needs rather than wait for a crisis.
Fearmongering about Australia’s ageing population has ramped up again recently. If you want a big Australia, then make your argument for it, but don’t pretend that the age structure of the population is the reason why.
We become more different from each other over time. Our own remaining time frame is unique. By just focusing on ‘community’ longevity, we lose sight of how different we are and how differently we respond.
Focussing on companies that will benefit from slow moving, long duration and highly predictable demographic trends can help investors predict future opportunities. Three main themes stand out.
Super tax concessions will be worth more than the cost of the pensions in future, but they represent two fundamentally different forms of government support for our retirement income system. Both have a role.
Marketed as a fix for inequality and housing affordability, the latest budget instead delivers a tangle of tax changes that leave everyday Australians worse off.
Australia may not levy formal death duties, but a growing web of tax measures is quietly shaping what wealth passes between generations. Now, the 2026 budget adds another layer.
Inheritance tax implications in Australia may surprise some, as poor estate planning without proper wills or trusts can lead to costly tax bills and delays for beneficiaries.
Proposed Budget changes to taxation are casting new uncertainty over testamentary trusts, prompting closer scrutiny of estate planning structures and the real implications of reforms still taking shape.
A return to indexation of capital gains would be a fairer way to compensate households for the effects of inflation than the current discount. Importantly, it opens the door to future, broader reforms to stop the taxation of inflation.
Retail investors face an increasingly complex product environment, but simplicity may be the most overlooked advantage in building a portfolio you can actually live with.