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15 July 2025

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Pension System

1-12 out of 19 results.

Australia needs to transform how it cares for older people

Despite the alarm sounded by six Intergenerational Reports, Australia is unprepared to meet the needs of its ageing population. Older people need help to get work if needed, access community care, and better connect with others.

Rethinking super tax concessions for the future

Age Pension costs should not be compared with super tax concessions for future retirees as they apply to different generations and purposes. But what is the long-term financial impact for both individuals and Government?

Australia isn't ageing as quickly as the Government says

The Intergenerational Report uses an outdated method to calculate our ageing population that can lead to unnecessary fear and unhelpful policies. Using a more realistic approach, we're ageing at a much less dramatic pace.

Recent age pension changes impact non pensioners too

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 impact of superannuation on retirement outcomes

Superannuation is substantially improving retirement incomes for nearly two million retired Australians by providing regular income streams. It's also easing the burden on the government to fund retirements.

10 reasons owning your home beats super in retirement

Since the introduction of compulsory super, the industry has pushed its members to put as much as possible into super. It has been a disservice to anyone entering retirement who could have owned a home instead.

Yes, ‘millionaires’ can qualify for the age pension

Recent media articles mocked a couple with $1 million in assets who asked whether they would qualify for the Age Pension. The ridicule hid an important debate about whether the Age Pension system is still fit for purpose.

Covid has changed our retirement plans

A new survey suggests Australians have changed their thinking on when, and how, they might retire. After the turmoil of Covid, Australia stands out in the global survey with 34% indicating a different retirement outlook.

12 tips for ‘aged care season’

The festive season is often the time that families notice Mum or Dad or both might need some extra care. Here are tips to navigate difficult conversations around aged care and how to best prepare for the transition.

Biggest change in the Aged Care Interest Rate since the GFC

Whether you are an investor or borrower you will know that rates are rising. The aged care interest rate recently jumped by close to 1%. Take a deep dive into the impacts on residents of aged care homes.

Age pension is increasing: what you need to know

Older Australians saw the largest increase in their age pension payments in almost a decade last month. But pensioners receiving aged care will only see $4 of the $20 pension increase.

Survey responses on pension eligibility for wealthy homeowners

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?

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Raising the GST to 15%

Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.

7 examples of how the new super tax will be calculated

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 revolt against Baby Boomer wealth

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.

Meg on SMSFs: Withdrawing assets ahead of the $3m super tax

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.

Are franking credits hurting Australia’s economy?

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.

Here's what should replace the $3 million super tax

With Div. 296 looming, is there a smarter way to tax superannuation? This proposes a fairer, income-linked alternative that respects compounding, ensures predictability, and avoids taxing unrealised capital gains. 

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