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4 July 2025
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Don replies to Peter. People saving for retirement should separate shallow and deep risk. Shallow risk, where prices fall, can be good in accumulation phase. Deep risk is a serious long-term deterioration.
Chris Cuffe shared his views on default super, internalising asset management, vertical integration, independent directors, past performance and artificial intelligence.
Enthusiasm for post-retirement investment products is growing, and the Government has just appointed an advisory group, but there are many reasons why the industry has not yet finalised the best outcomes.
Superannuation funds strive for increased engagement from their members, but is there merit in the decision not to choose? Evidence shows default options perform well compared with the 'choose your own' path.
The Grattan Institute’s recent paper on reducing costs associated with superannuation is a reflective read for all executives and trustees of super funds in Australia, but is it the time right for these changes?
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.
Business investment and per capita GDP have languished over the past decade and the Labor Government is conducting inquiries to find out why. Franking credits should be part of the debate about our stalling economy.