The Conversation

Super shock: more compulsory super would make Middle Australia poorer, not richer

Written by Brendan Coates, Grattan Institute and Owain Emslie, Grattan Institute. Compulsory superannuation was sold to Australians on the basis that it would make us better off. But as the government prepares for an independent inquiry into retirement incomes, new Grattan Institute research finds that increasing compulsory contributions from 9.5%… Read More »Super shock: more compulsory super would make Middle Australia poorer, not richer

Myth busted. Boosting super would cost the budget more than it saved on age pensions

Written by Brendan Coates, Grattan Institute. It is often claimed that Australia’s superannuation system will ease the budgetary burden of an ageing population. It’s certainly the impression put about by those pushing for an increase in employers’ compulsory contributions from 9.5% to 12%. But new estimates suggest that for up… Read More »Myth busted. Boosting super would cost the budget more than it saved on age pensions

More people are retiring with high mortgage debts. The implications are huge

Written by Rachel Ong ViforJ, Curtin University and Gavin Wood, RMIT University. The number of mature age Australians carrying mortgage debt into retirement is soaring. And on average each mature age Australian with a mortgage debt owes much more relative to their income than 25 years ago. Microdata from the… Read More »More people are retiring with high mortgage debts. The implications are huge

At last, an answer to the $5 billion question: who gets the imputation cheques Labor will take away?

Written by Ben Phillips, Australian National University and Matthew Gray, Australian National University. Labor is banking on about A$5 billion per year from ending the cash payment of company tax refunds to dividend holders who don’t pay tax. It’ll exempt charities, non-profits, pensioners and part pensioners and other Australians on… Read More »At last, an answer to the $5 billion question: who gets the imputation cheques Labor will take away?

It’s hard to find out who Labor’s dividend imputation policy will hit, but it is possible, and it isn’t the poor

Written by Elizabeth Savage, University of Technology Sydney. Labor’s proposal to end cash refunds of unused dividend imputation credits is highly targeted. It certainly doesn’t apply to age pensioners, even part pensioners, courtesy of Labor’s Pensioner Guarantee. Self managed super funds set up by pensioners before the announcement are also… Read More »It’s hard to find out who Labor’s dividend imputation policy will hit, but it is possible, and it isn’t the poor