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10 February 2025
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Younger people should have the option to draw on their super balance to buy a home. It is the height of hypocrisy to allow retirees to use super to reduce their mortgage but deny young people early access.
Additional investment in the family home to maximise the age pension becomes a straitjacket. To voluntarily plan this outcome comes at a high price in terms of reduced income and loss of discretion over your own affairs.
The system has incentives that run counter to policy objectives, especially for the age pension taper rate, family home and access to super before it's assessed for the age pension. Here's how to fix these problems.
The festive season is often the time that families notice Mum or Dad or both might need some extra care. Here are tips to navigate difficult conversations around aged care and how to best prepare for the transition.
Whether you are an investor or borrower you will know that rates are rising. The aged care interest rate recently jumped by close to 1%. Take a deep dive into the impacts on residents of aged care homes.
With 62% of Australians aged 65 and over relying at least partially on the age pension, are they better off owning their home or renting? There is an extra pension asset allowance for those not owning a home.
Most people entering retirement do not see a financial adviser, mainly due to cost. It's a major problem because there are small mistakes a retiree can make which are expensive and avoidable if a few tips were known.
Whether you choose to sell your home to pay for aged care is your decision. With many special concessions, why are people quick to sell the family home? The calculations can be tricky and circumstances are different.
With articles on the pensions assets test read about 40,000 times, 3,500 survey responses and thousands of comments, there was a lot of great reader participation. A few comments added extra insights.
The survey drew a fantastic 2,000 responses with over 1,000 comments and polar opposite views on what is good policy. Do most people believe the home should be in the age pension asset test, and what do they say?
The RBA Governor says rising house prices are due to "the design of our taxation and social security systems". The OECD says "the prolonged boom in house prices has inflated the wealth of many pensioners without impacting their pension eligibility." What's your view?
Although the Aged Care Royal Commission (with Paul Keating) and Budget announcements gave the aged care sector high profile, the welcome 'granny flat' changes came with inadequate extra Home Care Packages.
The housing market was subdued in 2024, and pessimism abounds as we start the new year. 2025 is likely to be a tale of two halves, with interest rate cuts fuelling a resurgence in buyer demand in the second half of the year.
This examines the performance of key asset classes and sub-sectors in 2024 and over longer timeframes, and the lessons that can be drawn for constructing an investment portfolio for the next decade.
While encouraging people to draw down on their accumulated wealth in retirement might be good public policy, several million retirees disagree because they are purposefully conserving that capital. It’s time for a different approach.
The renowned investor has penned his first investor letter for 2025 and it’s a ripper. He runs through what bubbles are, which ones he’s experienced, and whether today’s markets qualify as the third major bubble of this century.
Getting regular, growing income from stocks is tougher with the dividend yield on the ASX nearing 25-year lows. Here are some conventional and not-so-conventional ideas for investors wanting to build a dividend portfolio.
Australians are used to hearing dire warnings that they don't have enough saved for a comfortable retirement. Yet most people need to save a lot less than you might think — as long as they meet an important condition.