Articles on Superannuation

Displaying 1 - 20 of 164 articles

As the dream of home ownership eludes more and more older Australians, this has big implications for retirement, pensions and government spending on rental assistance. Billion Photos/Shutterstock

When falling home ownership and ageing baby boomers collide

Until now most people have eventually owned a home. But two trends – falling ownership and a growing aged population – will put the budgets of retirees and government under real pressure.
Women are less active in managing their super when there are more men in the office. Shutterstock

How our peers influence our superannuation decisions

If a superannuation fund member is at a workplace where a lot of colleagues make changes to their investment strategy, it becomes significantly more likely that they themselves will make a change.
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.

Top contributors

More