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31 December 2024
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With considerable resources spent on qualifying for the age pension and grappling with super consequences, there have been regular calls for a universal pension. How might it work and what are the benefits?
Claims that zero tax rates on superannuation pension funds are a rort are misinformed because they ignore the taxes paid to put money into super, and the social contract that super was designed for.
Although the proposed changes to superannuation might be worryingly detrimental to retirement outcomes, super will remain the most tax-effective retirement saving vehicle for the majority of people.
Where there is a choice of receiving your superannuation as an income stream or a lump sum, it could be better tax-wise to receive it as a lump sum. There are complex rules here, so work with an expert on this one.
The benefits received from super if premature death, terminal illness or permanent injury prevent you or your spouse from working to retirement age vary in their conditions and taxation, so it's good to be informed early.
The Government's announcements to clarify future regulations on superannuation were welcome, but the brevity of detail leaves many questions unanswered.
It’s with heavy hearts that we announce Firstlinks’ co-founder and former Managing Editor, Graham Hand, has died aged 66. Graham was a legendary figure in the finance industry and here are three tributes to him.
Last year, I wrote an article suggesting returns from ASX stocks would trample those from housing over the next decade. One year later, this is an update on how that forecast is going and what's changed since.
The Future Fund's original purpose was to meet the unfunded liabilities of Commonwealth defined benefit schemes. These liabilities have ballooned to an estimated $290 billion and taxpayers continue to be treated like fools.
ASFA provides a key guide for how much you will need to live on in retirement. Unfortunately it has many deficiencies, and the averages don't tell the full story of the growing gender superannuation gap.
The Big Four banks have had an extraordinary run and it’s left income investors with a conundrum: to stick with them even though they now offer relatively low dividend yields and limited growth prospects or to look elsewhere.
A triple headwind has seen Australia's biggest LIC swing to a 10% discount and scuppered its relative performance. Management was bullish in an interview with Firstlinks, but is the discount ever likely to close?