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Monday, 20 September 2021
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The Intergenerational Report is an opportunity to talk about ways to a better future, but it is not the one outlined in the paper. It has too many generous assumptions while the budget will always be in deficit.
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.
Super tax concessions will be worth more than the cost of the pensions in future, but they represent two fundamentally different forms of government support for our retirement income system. Both have a role.
‘It's your money’ flouts the strict superannuation access rules we have accepted since 1992, and many are putting short-term wants ahead of long-term needs. Is this the best outcome for 2.6 million people?
Susceptibility is the risk of severe illness or death if an individual contracts COVID-19. It shows how bad an outbreak could be by region and it will inform policy on relaxing restrictions.
As Australia prepares to relax Covid-19 lockdown restrictions, crucial questions of lives versus livelihoods are being asked. At its most pointed, it's also a matter of lives versus lives.
Expectations are already high for what the Retirement Income Review will deliver, but it will make no formal recommendations, and the 'fact base' it establishes will be disputed by other experts.
What do many of Australia’s top experts in superannuation and retirement planning think the government should focus its policies on? A long article but with many interesting ideas.
Political outcomes are challenging to predict. Instead, we need to focus on the investment implications of a variety of policy outcomes. A long term perspective is where valuation intersects with fundamentals.
The assumption that being a member of a large pooled fund will protect franking credit refunds, and the lack of concern about the impact of Labor's capital gains tax change, both require greater scrutiny.
In the final Leaders' Debate, the Prime Minister asked why Labor wishes to deny a tax deduction for additional personal concessional contributions, reinstating the old 10% rule. What's the logic of this complex rule?
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?
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.