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23 April 2025
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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.
With 62% of Australians aged 65 and over relying at least partially on the age pension, are they better off owning their home or renting? There is an extra pension asset allowance for those not owning a home.
Questions asked by financial advisers on how changes to social security means testing will affect their clients mostly centre around the assets test, rent exemptions, and income streams.
Under the current pension reforms, changes to the asset test taper, which are designed to reduce the entitlement of part-pensioners, will also hit ‘downsizers’ and people moving into aged care hard.
Seniors entering a new relationship want to enjoy their late-life happiness, but some may also worry about how the new arrangement will affect their income and estate planning. There are many options to consider.
Your age pension entitlement is assessed under the Income Test, and it may be worth re-setting the deductible amount to improve your pension payments if it's been a while since the last calculation.
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.
With an election due by 17 May, we are effectively in campaign mode with the Government announcing numerous spending promises since January and the Coalition often matching them. Here's what the election means for investors.
With fixed term deposit rates declining and bank hybrids being phased out, what are the best options for investors seeking income? This goes through the choices, and the opportunities and risks involved.
The S&P 500's recent correction raises concerns about a bear market. History shows corrections are driven by high rates, unemployment, or global shocks, and that there's reason for optimism for nervous investors today.
The famed investor says the rapid switch from globalisation to trade wars is the biggest upheaval in the investing environment since World War Two. And a new world requires a different investment approach.
Trump's tariffs and China's retaliatory strike have sent the Nasdaq into a bear market with the S&P 500 not far behind. What are the implications for the economy and markets, and what should investors do now?