Articles sur Superannuation

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Unlike shareholders, super fund members won’t have the same powers at AGMs to hold executives to account. Brendan Esposito/AAP

Giving you more say in your super? Not likely with these changes

Many of us barely glance at our own superannuation account balances, so it’s reasonable to predict that only a tiny fraction are likely to go to a super fund annual meeting.
A Shorten government would double the screening fees on foreign investment and financial penalties that apply to foreign investment in residential real estate. Lukas Coch/AAP

Super funds targeted in Shorten’s housing affordability package

Labor will promise to ban direct borrowing by self-managed superannuation funds, as part of a housing affordability policy released on Friday.
At least ten cents in every dollar of superannuation assets is indirectly financing house purchases via commercial bank debt. AAP/Lukas Coch

Here’s how superannuation is already financing homes

What critics of the plan to use superannuation for housing miss is that Australia’s super system already channels a significant proportion of retirement savings into housing.
Shadow or parallel banking refers to the non-bank financial intermediaries that supply services similar to commercial banks. Jenny Evans/AAP

Explainer: shadow banking and where it came from

Shadow banking provides investors with the means to isolate risks, transfer profits, avoid regulation and increase the range of money-like financial products available for investment.
Despite all the proposals to combat housing affordability, Scott Morrison will need to make hard political decisions on policies that will actually make a difference. Lukas Coch/AAP

The latest ideas to use super to buy homes are still bad ideas

The latest thought bubbles about using super savings for housing might be less harmful than in the past, but they would be just as ineffective.
Assets held until the retirement phase in super, can then be sold with no, or minimal, capital gains tax payable. www.shutterstock.com

Despite superannuation changes, one tax loophole remains

The government has yet to address a major incentive to put assets into super and hold them until the retirement phase.
Young women in the survey showed less interest and knowledge on long-term investments. www.shutterstock.com

Young women can budget in the short term but struggle with long-term investments: survey

Young women are are confident in implementing budgeting and savings strategies, but lack the knowledge and confidence required to implement long-term financial strategies, a new pilot study finds.
Superannuation’s influence on the Australian financial sector mostly balances out. www.shutterstock.com

Business Briefing: what super is doing to banking and finance

Business Briefing: what super is doing to banking and finance. The Conversation10 Mo (download)
New research modelled how an increase in the superannuation guarantee would affect the finance sector and the results show it all balances out.
Many seniors pay less than younger workers on the same income as a result of special tax breaks for seniors. www.shutterstock.com

Why special tax breaks for seniors should go

The federal government could save about A$1 billion a year by changing three unfair tax breaks for older Australians, a new report says.
The changes to the cap on non-concessional contributions is one of the features of the latest superannuation reform proposals. www.shutterstock.com

Winners and losers from the government’s compromise on superannuation

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.

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