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1 April 2025
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This is a quick snapshot of the proposed superannuation changes announced by the Government (as at Friday 16 September 2016, that is).
All these changes commence from 1 July 2017 so get cracking!
Gordon Mackenzie is a Senior Lecturer in taxation and superannuation law at the Australian School of Business, University of New South Wales. This article is a brief summary of the major points, it does not consider the needs of any individual and does not summarise all aspects of the proposals, which have yet to be legislated.
Yes this is not smart in my opinion, lowering the amount to $25,000, when interest rates are so low and likely future returns even on the stock market will be low. Only public servants with their assured tax payer funded defined pension schemes would let this get proposed. Ivory towers in Canberra! The elderly are usually advised to keep a solid proportion of their income producing assets in fixed interest not shares/stocks. With Aust 10 year Gov bond under 2% that means $500,000 will yield $10,000 annually. This will likely result in more people needing more pensions from the taxpayer not less. If people put more into shares, and there's a significant crash/drop what will this mean? How many could cash out at the worst time? Meddling with the world famous super scheme Australia introduced is unwise. Anyway in our view Aust Gov.s in the future will not have enough money as in other welfare dependent and demographically challenged developed countries and the private Super monies will be even more attractive for treasury to 'raise money' from. Beware.
6.Employees can receive a deduction for up to $25,000 pa of contributions less what their employer has contributed Can someone speak on our behalf. If you are over 50 years the limit for Concessional Contributions was $35000. (This is excluding the 9.5% employers super SGC guarantee). Please can this be re-instated. It has been reduced to $25000 for everyone (including >50 years). This is the time when you can build a bit more I your super and it is not fair to target this group.
A bill that allows the ATO to merge dormant super accounts with active ones and release super members from compulsory life insurance embedded in enterprise agreements and from exit fees was tabled on 21 June 2018.
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.
If your SMSF loses residency status while you are overseas, the tax penalties are significant enough to spoil your retirement. Being aware of the rules and options available allows you to avoid the hurt and enjoy the homecoming.
This time last year, I highlighted 16 ASX stocks that investors could own indefinitely. One year on, I look at whether there should be any changes to the list of stocks as well as which companies are worth buying now.
The CIO of Australia’s fourth largest super fund by assets, John Pearce, suggests the odds favour a flat year for markets, with the possibility of a correction of 10% or more. However, he’ll use any dip as a buying opportunity.
The ABS recently released figures which are used to determine key superannuation rates and thresholds that will apply from 1 July 2025. This outlines the rates and thresholds that are changing and those that aren’t.
With the arrival of the new year, the first members of ‘Generation X’ turned 60, marking the start of the MTV generation’s collective journey towards retirement. Are Gen Xers and our retirement system ready for the transition?
The intergenerational wealth transfer, largely driven by a housing boom, exacerbates economic inequality, stifles productivity, and impedes social mobility. Solutions lie in addressing the housing problem, not taxing wealth.
Warren Buffett's annual shareholder letter has been fixture for avid investors for decades. In his latest letter, Buffett is reticent on many key topics, but his actions rather than words are sending clear signals to investors.
Are you living your life by default or by design? It strikes me that many people are doing the former and living according to others’ expectations of them, leading to poor choices including with their finances.
After the recent market slump, it's a good time to brush up on the defensive asset classes – what they are, why hold them, and how they can both deliver on your goals and increase the reliability of your desired outcomes.
Lately, there's been a push by Government for lifetime income streams as a solution to retirement income challenges. We run the numbers on these products to see whether they deliver on what they promise.
The stellar run of the major ASX banks last year left many investors scratching their heads. After a recent share price pullback, has value emerged in these banks, or is it best to steer clear of them?
If you’re struggling to replace the hybrid exposure in your portfolio, you’re not alone. Subordinated debt is an option, and here is a guide on what it is and how it can fit into your investment mix.
Trump’s moves on tariffs, defence, and Ukraine, have awoken European Governments after a decade of lethargy. European small cap manager, Alantra Asset Management, says it could herald a new era for the continent.
Founder-led companies often attract investors due to leaders' personal stakes and long-term vision. But founder presence alone does not guarantee success, and the challenge is to identify which ones will succeed in the long term.