30 October 2025

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Retirement income expectations hit new highs Four best-ever charts for every adviser and investor Why super returns may be heading lower Preparing for aged care Our experts on Jim Chalmers' super tax backdown

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Home / Home Equity

Home Equity

1-12 out of 20 results.

The growing debt burden of retiring Australians

Harry Chemay
29 October 2025

More Australians are retiring with larger mortgages and less super. This paper explores how unlocking housing wealth can help ease the nation’s growing retirement cashflow crunch.

Retiring debt-free may not be the best strategy

Tony Dillon
17 September 2025
15

Retiring with debt may have advantages. Maintaining a mortgage on the family home can provide a line of credit in retirement for flexibility, extra income, and a DIY reverse mortgage strategy.

Rethinking how retirees view the family home

Andrew Boal
24 July 2024
30

Australia faces a wave of retirees at a stage where the superannuation system is still maturing. Better and fairer policy on the role of the family home as a retirement asset might help.

Recent age pension changes impact non pensioners too

Brendan Ryan
3 May 2023
24

It’s great to see the age pension increase recently, but there are now additional challenges and opportunities. One is a change in aged care costs, and another is what the pension rise means for your own situation.

The distortions in our retirement system

Jon Kalkman
14 December 2022
51

The system has incentives that run counter to policy objectives, especially for the age pension taper rate, family home and access to super before it's assessed for the age pension. Here's how to fix these problems.

The five most common topics for advisers and their clients

Tim Howard
5 October 2022
7

An explanation of five areas of most interest to financial advisers and their clients, including home equity access, downsizing, Senior Cards, work tests and new transfer balance caps - all worth knowing about.

Solutions to unite the three pillars of retirement funding

Joshua Funder
8 December 2021
14

Retirement solutions uniting the three pillars of retirement funding - the age pension, mandatory super and voluntary savings - are essential. Global experts discuss solutions that might work for Australia.

Stop treating the family home as a retirement sacred cow

Susan Thorp
27 October 2021
63

The way home ownership relates to retirement income is rated a 'D', as in Distortion, Decumulation and Denial. For many, their home is their largest asset but it's least likely to be used for retirement income.

Survey responses on pension eligibility for wealthy homeowners

Leisa Bell
22 September 2021
51

The survey drew a fantastic 2,000 responses with over 1,000 comments and polar opposite views on what is good policy. Do most people believe the home should be in the age pension asset test, and what do they say?

10 reasons wealthy homeowners shouldn't receive welfare

Graham Hand
15 September 2021
130

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?

Ralston on accessing equity in the family home

Deborah Ralston
31 March 2021
17

A member of the Retirement Income Review explains the focus on home equity. For homeowners at retirement, homes represent three to four times as much wealth as superannuation, but the average age at which mortgages are paid out has increased from 52 to 62.

Home equity access and four challenges of retirement

Joshua Funder
11 November 2020
11

The Australian retirement funding system relies on three pillars: the age pension, superannuation and voluntary savings. Most retirees have their wealth tied up in the family home, so what role does it play?

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Most viewed in recent weeks

Retirement income expectations hit new highs

Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?

Vanguard Investments Australia
24 September 2025

Four best-ever charts for every adviser and investor

In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.

Romano Sala Tenna
15 October 2025

Why super returns may be heading lower

Five mega trends point to risks of a more inflation prone and lower growth environment. This, along with rich market valuations, should constrain medium term superannuation returns to around 5% per annum.

Shane Oliver
24 September 2025

Preparing for aged care

Whether for yourself or a family member, it’s never too early to start thinking about aged care. This looks at the best ways to plan ahead, as well as the changes coming to aged care from November 1 this year.

Brooke Logan
1 October 2025

Our experts on Jim Chalmers' super tax backdown

Labor has caved to pressure on key parts of the Division 296 tax, though also added some important nuances. Here are six experts’ views on the changes and what they mean for you.

James Gruber
15 October 2025

Why I dislike dividend stocks

If you need income then buying dividend stocks makes perfect sense. But if you don’t then it makes little sense because it’s likely to limit building real wealth. Here’s what you should do instead.

James Gruber
8 October 2025

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