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Monday, 20 September 2021
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The Pension Loans Scheme has generated little interest but Budget improvements may change that, including the introduction of lump-sum payments. It is also available to non-pensioners but the rate remains too high.
The $17.7 billion plan for aged care looks exciting but while the system will provide greater choice, transparency and care for many, there will still be senior members of 'Team Australia' who miss out.
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.
In Budget 2020, Josh Frydenberg announced a performance comparison tool and fund stapling to save Australians $17.9 billion over 10 years. But too many moving parts make results highly cyclical.
Labor justified its franking credits policy based on the cost rising 10-fold since 2001 and heading towards unaffordable levels. But were the numbers right and would the savings ever have eventuated?
Both the Government and Labor have made impressive commitments to infrastructure, but it focusses heavily on roads and rail. Australia's economic potential depends on more essential services.
It's an election budget with money to spend, driven by income and company taxes. It again relies on China, so as the economy and global growth stalls, the long-term revenues are doubtful with spending locked in.
In the 2019/2020 Federal Budget, the Government made few changes to superannuation rules to assist retirement planning.
In our Federal Budget 2019/20 coverage, we present summaries and analyses of the Budget from Cuffelinks' sponsors, including newsletters and videos, plus a summary of Labor's overall strategy.
The Budget surplus in the 2018-19 year is mainly due to fortuitous tax revenue gains from the mining boom. In the past five years, government spending has risen by an incredible 21%.
A one-off payment to assist with rising energy bills will be paid to almost four million Australians before the end of the 2018-2019 financial year (assuming legislation passes), but who qualifies?
From 1 July 2020, Australians aged 65 and 66 will be able to make voluntary superannuation contributions, both concessional and non-concessional, without meeting the Work Test.
Who knew? With some surprise results, the Government is on unexpected firm ground in asking people to draw on all their assets in retirement, although the comments show what feisty and informed readers we have.
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?
It's a remarkable statistic. In any year since 1875, if you had invested in the Australian stock index, turned away and come back eight years later, your average return would be 120% with no negative periods.
Never stand between Australian households and an uncapped government programme with $3 billion in ‘free money’ to build or renovate their homes. But excess supply is coming with an absence of net migration.
Picking macro trends is difficult. What may seem logical and compelling one minute may completely change a few months later. There are better rewards from focussing on identifying the best companies at good prices.
Some high-quality companies have emerged even stronger since the onset of COVID and are well placed for outperformance. We call these the ‘COVID Opportunists’ as they are now dominating their specific sectors.