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Friday, 17 September 2021
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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.
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.
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.
Critics of franking credits are missing the main point. The taxable income of shareholders/taxpayers must also include the company tax previously paid to the ATO before the dividend was distributed. It is fair.