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22 July 2024
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Super funds should report your future income not a lump sum, the new Division 293 tax on super, the complexities of pension reform and Q&A on lifetime annuities versus indexed bonds.
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.
Division 293 tax has arrived and many high income earners have already received an unexpected tax assessment on their super contributions. Find out the details and whether this new tax will affect you too.
Tightening pension eligibility is not as simple as just upping the age limit. There are valid arguments for and against any increase and it will depend on the details whether it will be good policy or not.
Any change to the pension eligibility age should consider the differing situations that influence an individual’s working life, health and mortality. If a labourer can’t work beyond 60 it’ll be a long wait to access a pension.
The National Commission of Audit report released yesterday will influence government policies for many years, and it makes some radical suggestions on entitlements and eligibility.
There seems to be more confusion than clarity about the mechanics of how the new $3 million super tax is supposed to work. Here is an attempt to answer some of the questions from my previous work on the issue.
Here are 10 rules for staying happy and sharp as we age, including socialise a lot, never retire, learn a demanding skill, practice gratitude, play video games (specific ones), and be sure to reminisce.
A new report suggests Australian housing is twice as expensive as that of the US and UK on a price-to-income basis. It also reveals that it’s cheaper to live in New York than most of our capital cities.
The discounts on listed investment vehicles are at historically wide levels. There are lots of reasons given, including size and liquidity, yet there's a better explanation for the discounts, and why a rebound may be near.
The best way to lose money in markets is to chase the latest stock fad. Conversely, the best way to build wealth is by pursuing a timeless investment strategy that won’t be swayed by short-term market gyrations.
The life expectancy tables used throughout the financial advice and retirement industry have issues and you need to prepare for the possibility of living a lot longer than you might have thought. Plan accordingly.