Increasingly insecure pathways to home ownership are not just a problem for property markets. The fallout is likely to hit retirement incomes, the welfare base, gender equity and the broader economy.
Retirees are often urged to downsize to free up suburban properties for the next generation and for higher-density development. What's being ignored is the costs of moving into a unit or apartment.
Any significant decline in home ownership or equity in a home impacts higher care needs: older people will not have an asset to sell to fund the bonds required to enter aged care accommodation.
Beyond debates about the avocado smash generation lies some misnomers on which generation had it better.
For the increasing proportion of people living in private rental accommodation who can expect to be dependent on the age pension, the prospects of financial and housing insecurity are grim.
Changes to the pension will affect the way people plan and behave.
Super is the wrong tool to provide an adequate support in retirement for low-income earners. Our research shows top-up measures to help this group are poorly targeted and too expensive.
Senator Jacqui Lambie told Q&A that a third of Australian age pensioners are living below the poverty line and that it's estimated to rise to two-thirds within five years. Is that right?
The proof of whether an investment approach to welfare actually does improve outcomes for the disadvantaged is still some years down the track.
The Coalition has reached a compromise to get its superannuation reform past its own party, but the changes will make it harder for women and older workers.
The current system is causing inefficiencies in housing markets, but governments seem unwilling to act.
Hoping for the best is not a budget management strategy: but Australia can set realistic goals.
The only problem with an appeal to fairness is there is no single understanding of what the word means.
Having made a commitment to reduce spending, the federal government will have its work cut out with this year's budget, which may require revisiting policy ideas that have caused it pain in the past.
What aspects of the government’s reforms succeeded in assisting people into employment? And did the reforms improve the population’s economic well-being? Or have they left some groups worse off?
Just 24% of those living in the poorest quarter of households support an increase in the Age Pension age.
The government's inconsistent approach to pensioners who save is distorting behaviour, but there is a solution.
The government has dropped plans to index age pensions to CPI and opted instead to tighten income and assets test. These are welcome changes but more needs to be done.
Part-pensioner couples who own their own home and assets worth more than about A$800,000 are expected to lose their part-pension altogether, under proposals in the federal budget.
If the 5.5 million unpaid carers didn't look after others – at the expense of careers and incomes – taxpayers would bear the costs, so as a community we should give carers a fairer deal in retirement.