Rarely do we think about what super is for, and even more rarely do we think about whether it is capable of achieving those aims.
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Articles on Superannuation
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Rather than offering early access to super, the government could allow people to borrow against it, at a zero interest rate.
The coronavirus stock market crash is more jumpy, and harder to rein in, in part because of the role of retirees.
The government’s retirement incomes review should concentrate on boosting rent assistance and Newstart and fixing the pension assets test. These would achieve more than boosting super.
Michelle Grattan on the week in politics, including the travel ban, the royal commission into the bushfires, and labor’s stance on a compulsory superannuation guarantee and zero emissions by 2050.
In a speech on older Australians released ahead of its Wednesday delivery, Anthony Albanese claims that, with economic growth and productivity, Australians could see higher super and higher wages.
All that would be needed is to adjust retiree tax scales and tax their super fund earnings at their marginal rate.
Super is inefficient, costly and directs money where it isn’t needed. There’s a way out.
An examination of 80,000 enterprise bargaining agreements finds that on average 80% of each increase in compulsory super has been at the expense of wages.
No single super contribution rate suits everyone, and there’s only a clear case for an increase if there’s no age pension.
An old political maxim is to ‘never waste a crisis’, but sometimes a crisis isn’t enough.
Josh Frydenberg’s review of the retirement income system will have to consider the growing hole caused by our decisions to delay buying homes for longer and longer.
Ross Gittins on the government’s “surplus obsession”
The Conversation, CC BY29.3 MB (download)
As the Australian economy continues to struggle, many argue that stimulus is needed, urging the government to abandon its "surplus obsession".
The inquiry will find we force workers to sacrifice income, pay tens of billions in super tax concessions, and still pay out one in every ten dollars of government earnings on pensions.
One of the questions is how much we need in retirement. Another is whether we need 12% compulsory super to get there.
Don’t blame the global financial crisis. The Australian art market has performed poorly over the last decade - but there is plenty of growth potential.
Jim Chalmers on the need to change economic course
The Conversation, CC BY35.9 MB (download)
In this podcast, Shadow Treasurer Jim Chalmers argues the government can have both a more stimulatory policy and a surplus going forward.
“The need for change is undeniable,” says Treasurer Josh Frydenberg, issuing a timetable for dealing with recommendations from the royal commission into banking, superannuation and financial services.
A new Grattan Institute study finds that for the first time in a long time, young Australians are no better off than those who came before, and are likely to do worse.
Liberal senator Andrew Bragg is one of the Coalition backbenchers who oppose the scheduled superannuation guarantee rise to 12%. They are looking to the retirement incomes inquiry to leverage change.
Top contributors
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Professorial Fellow, University of Canberra
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Program Director, Economic Policy, Grattan Institute
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Professor, Curtin Law School and Curtin Business School, Curtin University
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Professiorial Fellow, The University of Melbourne
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Visiting Fellow, Crawford School of Public Policy, Australian National University
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Professor of Finance, University of Sydney
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Professorial fellow, Monash University
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Vice Chancellor's Fellow at Victoria University and Adjunct Professor of Economics, Victoria University
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Emeritus Professor of Finance, The University of Melbourne
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Chief executive officer, Grattan Institute
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Honorary Professor of Public Policy, Australian National University
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Senior Lecturer in Economy and Society, Department of Sociology, Macquarie University
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Senior Research Fellow, ARC Centre of Excellence in Population Ageing Research (CEPAR), UNSW Sydney
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Professor of Economics and Director, Tax and Transfer Policy Institute, Crawford School of Public Policy, Australian National University
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Associate Professor, College of Business and Economics, Australian National University
