We need a link from returns on infrastructure assets straight through to pensioners.
Instead of matching long-term pension liabilities to long-term investments, investment markets fixate on short-term liquidity. A new approach is needed.
Tax rules baked into superannuation favour those on low and high incomes.
Everyone is better off under the superannuation guarantee levy, but low and high income earners see a greater benefit than those in the middle.
The best advice is still to keep track of your super yourself.
Despite recent reforms, the superannuation system is still beset with problems such as high fees and patchy performance. You need to pay attention if you want to make sure your nest egg's in the best hands.
Currently, the employer nominates a fund which people are defaulted into if they don’t make a choice.
The Productivity Commission report recommends young workers should be given a "best in show" shortlist set by a "competitive and independent process."
The government has made life insurance opt-in for younger superannuation fund members.
The changes could save members up to A$3 billion, but they don't tackle the problems of total disability insurance.
Women are less active in managing their super when there are more men in the office.
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.
With more Australian workers joining the gig economy, questions about how these workers will fare in their retirement are becoming more pressing.
Unlike shareholders, super fund members won’t have the same powers at AGMs to hold executives to account.
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 comparison of the Australian and New Zealand retirement systems.
While you can't say one retirement system is better than the other, Australia can learn a lot from New Zealand's simpler and more flexible system.
Those already working will face tax increases of 1%-2% of their income from 2018.
The government should add a 'super payment option' that allows graduates to offset the cost of their HELP repayments.
A Shorten government would double the screening fees on foreign investment and financial penalties that apply to foreign investment in residential real estate.
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.
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.
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.
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.
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.
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.
Cabinet papers released today have given us some insight into how current issues like the gender superannuation gap emerged.
The changes to superannuation discussed in the 1992-93 cabinet papers shaped the system we have today for better and worse.
Superannuation’s influence on the Australian financial sector mostly balances out.
Business Briefing: what super is doing to banking and finance.
The Conversation 10 MB (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.
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 super system provides very little support to low-income earners in the bottom 10% of taxpayers.
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.