Government policy

Take income stream, not lump sum

Federal and state government decisions to close off new entry to their defined benefit super funds have not only reduced the costs for taxpayers but also ensured members can be confident of... Read more

Daryl Dixon, 5 November 2017, The Canberra Times

Removing the capital gains tax discount could have unintended consequences

Far from encouraging efficient use of the housing stock and improving housing affordability, proposals to increase the capital gains tax payable on the sale of investment properties could... Read more

Daryl Dixon, 7 September 2017, The Canberra Times

Benefits of getting a reverse mortgage

Many thanks to the reader who pointed out that the exemption of the family home from the age pension assets test is not the only reason for the attraction of using a reverse mortgage or... Read more

Daryl Dixon, 3 September 2017, The Canberra Times

How the age pension distorts the housing market

Recent publicity about the possible adverse impact on pension entitlements of downsizing the family home has drawn attention to the problems that the age pension assets test creates for... Read more

Daryl Dixon, 24 August 2017

First home buyer saving scheme has merit

Despite industry criticism, many Australians stand to benefit from the plans to use superannuation as a savings scheme for first home buyers. The draft legislation grants them access to up... Read more

Daryl Dixon, 11 August 2017, The Canberra Times

Retirees face income hit as returns dip, changes start

So far, financial year superannuation fund returns have been good with the prospect of double digit returns if world sharemarkets don't tank in June. The driving forces have been higher... Read more

Daryl Dixon, 4 June 2017, The Canberra Times

Downsizing provisions a mixed bag

While far from ideal, the budget initiative to allow older Australians to deposit up to $300,000 each in superannuation when they downsize their home is welcome. Unfortunately, the change... Read more

Daryl Dixon, 28 May 2017, The Canberra Times

Public servants will gain from Future Fund decision

The federal government's recent decision to postpone drawing from the Future Fund to help finance its unfunded employee superannuation liabilities is welcome news for current and future... Read more

Daryl Dixon, 21 May 2017

Super saver scheme to help young Aussies on middle incomes

How popular will the budget initiative be that allows first home buyers to build up accessible savings in their super? There are several key reasons why it may attract considerable... Read more

Daryl Dixon, 12 May 2017, The Canberra Times

It's time to get on top of the super changes

Given the magnitude of the superannuation changes applying from July 1, this year's budget is most unlikely to include further changes. All will be revealed next Tuesday, allowing at... Read more

Daryl Dixon, 7 May 2017, The Canberra Times


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