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Home / Opinion

Opinion

Superannuation is often a hot news topic, particularly because it is regularly treated as a political football, and significant changes by the government of the day can cause much angst and uncertainty, as well as having considerable financial implications for those in or nearing retirement.

If you would like to contribute your opinion please contact us.

Set out below are all SuperGuide articles that relate to Opinion.

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That extra you’re about to get in super, most of it will come from you, but don’t expect the ads to tell you that

February 14, 2021 by Peter Martin Leave a Comment

There’s something odd about those television and internet advertisements telling us we are getting more super.

Do retirees hoard their superannuation?

January 28, 2021 by Jim Bonham 6 Comments

Jim Bonham from Save Our Super examines recent claims that retirees have been hoarding their superannuation.

Keep a healthy perspective on the virus

April 6, 2020 by David Williams Leave a Comment

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

July 4, 2019 by Barbara Drury Leave a Comment

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?

July 2, 2019 by Daniel Brammall 5 Comments

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?

June 11, 2019 by SuperGuide 1 Comment

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

March 18, 2019 by Sean Corbett 12 Comments

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

October 15, 2018 by Jim Bonham 4 Comments

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

August 20, 2018 by Jim Bonham 2 Comments

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?

August 20, 2018 by Belinda Aisbett Leave a Comment

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?

August 20, 2018 by Meg Heffron

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

March 19, 2018 by Jim Bonham 24 Comments

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

March 19, 2018 by Jim Bonham 4 Comments

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

August 22, 2017 by Sean Corbett 4 Comments

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

June 26, 2017 by Jack Hammond QC and Terrence O'Brien 11 Comments

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.

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Pension fund rankings
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Comparing super funds
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SMSFs for beginners
SMSF administration
SMSF checklists
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Plan your retirement
Retirement planning for beginners
When should I retire?
How long will I live?
How much super do I need?
Will I get the Age Pension?
How much will I spend in retirement?
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Retiring overseas
Preparing for retirement
Retirement planning strategies
Retirement calculators and reckoners
In retirement
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Age Pension
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