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6 July 2022
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The quality of life for retirees and future tax-payers will rest on achieving a fiscal balance between supporting the aspiration of more self-reliant retirees and the continuation of a strong social safety net.
Comprehensive Income Products for Retirement, or CIPRs, are almost a reality and there is much excitement around what this means for superannuation and retirement outcomes.
The $32 billion 'cost of superannuation' number has become the most dangerous weapon used by critics of super tax concessions. Treasury says it's not the amount that would be saved.
The FSI’s recommendation that the super industry should re-focus on the achievement of a retirement income, rather than just building a lump sum, is what defined benefit schemes were all about.
The FSI makes some important recommendations which would improve the super industry if implemented. However, the trade-off between return and risk is largely left untouched - it's an important opportunity missed.
David Murray and Don Russell spoke at a leadership forum as part of the SMSF Association's 2015 Conference on the future of Australia’s retirement income system. They included many valuable insights.
A question from one of our readers on whether the (delayed) Tax White Paper will result in changes to the dividend imputation and capital gains tax systems.
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.
With 700 Australians retiring every day, retirement income solutions are more important than ever. Why do millions of retirees eligible for a more tax-efficient pension account hold money in accumulation?
A fund manager argues it is immoral to deny poor countries access to relatively cheap energy from fossil fuels. Wealthy countries must recognise the transition is a multi-decade challenge and continue to invest.
Equity investing comes with volatility that makes many retirees uncomfortable. A focus on income which is less volatile than share prices, and quality companies delivering robust earnings, offers more reassurance.
Few people have been closer to superannuation policy over the years than Noel Whittaker, especially when he established his eponymous financial planning business. He takes us on a quick guided tour.
Using the nine dimensions of well-being used by the OECD, and dividing Australians into Baby Boomers, Generation Xers or Millennials, it is surprisingly easy to identify the winners and losers for most dimensions.