There’s something odd about those television and internet advertisements telling us we are getting more super.
Set out below are all SuperGuide articles that relate to Opinion.
Do retirees hoard their superannuation?
Jim Bonham from Save Our Super examines recent claims that retirees have been hoarding their superannuation.
Keep a healthy perspective on the virus
Our community is being economically hit ‘to save the oldies’ – especially with existing health conditions. Should we older people be grateful? How and why could we contribute?
‘Pension tax’ deemed unfair
As official interest rates drop to a record low of 1%, Age Pensioners who depend on income from cash investments face a double whammy. Not only do they receive less income from their bank deposits as interest rates fall, but they also risk losing some pension because they are deemed to earn more than they do.
What makes a financial adviser independent?
Just because a financial planner’s business card doesn’t display the logo of a bank or insurance company doesn’t mean he or she is independent.
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What should the federal government’s super and retirement planning priorities be?
As we start a new Parliament, we asked some of Australia’s top experts in superannuation and retirement planning what they think the government should be focusing on.
Never stand between a politician and a big pot of money: How greed is destroying super
Many of today’s retirees are feeling betrayed. In 1992, Australians entered into an agreement. They agreed with a plan made by the politicians of the day that, in order to reduce the burden of the Age Pension on future generations of working taxpayers, everyone would save super for their own retirement.
Labor’s franking credits policy will reduce income for low and middle earners
In this article, I dig into this subject in more detail, particularly for those who hold their shares directly in their own names, to show what the ALP proposal really means and how it would operate.
SMSFs: 3 year audits policy will add complexity and not benefit trustees
As an SMSF trustee, Dr Bonham is deeply concerned about the proposed changes to the SMSF audit rules, and the ongoing instability for retirees and future retirees.
SMSFs: What are the consequences of the 3 yearly audits policy?
After the initial shock has worn off, and now that Treasury has released a discussion paper outlining the proposed three-year audit cycle for SMSFs, it is time to consider how the proposed measures (if adopted) will be rolled out, and how these measures will affect both the SMSF sector and the obligations of SMSF trustees.
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Is $1 million really the magic number to start an SMSF?
Depending on who you believe, self-managed superannuation funds range from being the greatest invention of the modern age or the most likely cause of the next financial crisis.
Labor’s franking credits policy will hurt retirees
The Australian Labor Party’s proposal to deny a cash refund on excess franking credits from Australian shares has very similar effects to the destructive and self-defeating consequences of the federal government’s 2017 changes to the Age Pension asset test.
Age Pension changes costs pensioners now and increases government costs in the long term
In this article Jim Bonham explores the long-term impact of the January 2017 Age Pension changes, for both retirees and for future federal government budgets.
Age Pension changes make retirees with more savings worse off in short-term
Doubling the effect of the Age Pension taper rate means that couples are taxed 150% for super savings between $400,000 and $800,000.
Age Pension changes unfair to retirees with $400k to $1m in super
SuperGuide has invited advocacy group, Save Our Super, to highlight the immediate and long-term implications of the federal government’s latest changes to super and the Age Pension.