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Retirement Savings System

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Why systemic risks from ‘Big Super’ may be overplayed

What are the implications of ‘Big Super’ for our economy, financial markets and population? New research looks at the beneficial, detrimental and debatable aspects, spanning current impacts and potential future developments.

The reforms that our retirement system needs

Australia should change its retirement system so people can easily access targeted support to plan their futures and fund their lifestyles by having greater work flexibility and access to equity in their homes.

Robert Merton on retirement incomes and Jane Austen

1997 Nobel Laureate Robert Merton wants greater focus on the income that will sustain a retirement, and even Jane Austen understood this. And he has a surprising proposal to help with longevity risk.

Robert Merton on retirement incomes and Jane Austen

Nobel laureate Robert Merton wants us to focus on the income that will sustain us in retirement, even Jane Austen understood this. And he has a surprising proposal to help with longevity risk.

Retirement system begging for reform

Much attention has been drawn recently to the high cost of the Australian superannuation system compared with pension systems overseas, with retirement outcomes often overlooked. What should we be striving for?

The richest man in Babylon also lives in Australia

One of the greatest books on accumulating wealth ever written uses the basic premise that part of all you earn is yours to keep. Australia's compulsory superannuation system is helping you.

Superannuation is one part of a complex tax picture

The recent budget has highlighted the importance of superannuation in supporting the age pension system. Why then, would the Government want to remove many of the incentives for building a healthy super balance?

Super funds fail clients by not reporting retirement income

A simple yet effective improvement to Australia’s superannuation system would be the uniform reporting of projected retirement incomes to keep individuals focused on building enough super for their twilight years.

Super contributions a $1 million opportunity

It's popular to argue that the contribution caps are severe limits to the amount placed in super. But a couple can put up to $1.5 million into super in the next few months, so make the caps work in your favour.

Super reforms not nearly enough

The recent superannuation reforms were just tinkering around the edges of Australia’s retirement savings system challenges. We need far more radical policy changes if our nation is to survive its demographic time bomb.

Let’s kick this political football out of the ground

There’s only one way we can go with this divisive debate, as super is too important to be punted around. We need a completely independent and bipartisan group to provide guidance, opinion and direction.

Most viewed in recent weeks

It’s time for LICs to die

A high-profile dividend cut and a prominent fund manager’s apology have reignited a long-running debate. If investors can access similar exposures more cheaply and efficiently elsewhere, what exactly is keeping LICs alive?

Testamentary trusts survived the trust tax. The drafting battle has just begun.

The fight over testamentary trusts looked settled. Then the draft legislation arrived. Hidden in a technical detail is a question that could force many families to rethink wills they thought were already future-proof.

Is it time to bail on Australian stocks?

For generations, Australian investors have backed banks, miners and dividends. But has that loyalty come at a cost? A look at the numbers raises an uncomfortable question about where future returns will come from.

The new capital gains tax trap for your portfolio

Investors have long accepted one portfolio rule without much question. A major tax shift could change that calculation entirely, forcing difficult trade-offs between risk, discipline and an overlooked cost lurking beneath.

How the typical Australian Family could save $844,350 in taxes

The value of a testamentary trust is not determined by wealth alone. Depending on circumstances, it can reduce the tax burden on inherited income, create efficiencies and help build intergenerational wealth.

The retirement scorecard: how many of these questions can you answer?

From the maths of retirement, estimating spending and picking the right asset allocation to survive a poor decade, here are the questions every retiree – current or future – should be able to answer for themselves.

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