Podcasts about superannuation

Friday 18 July 2025 A surprise jump in the unemployment rate opens the way for an interest rate cut next month. And more, including: AUSTRAC to focus on cash and digital currencies Superannuation funds have another good financial year How science is eradicating genetic diseases Join our free daily newsletter here. And don’t miss the latest episode of How Do They Afford That? - this week, it's all about debt consolidation. Get the episode from APPLE, SPOTIFY, or anywhere you listen to podcasts.Find out more: https://fearandgreed.com.auSee omnystudio.com/listener for privacy information.

When the paddocks are thriving but the family's falling apart, what's really being regenerated?In this episode of The Agricoach Wealth & Wisdom Podcast, Ben Law sits down with eighth-generation farmer and regenerative ag pioneer Charlie Arnott. Charlie shares the raw, unfiltered story of what led him to overhaul his approach to farming—and, just as importantly, to life. From burnout during the millennium drought to discovering the power of values-led living, Charlie's journey goes far beyond soil health. Together, Ben and Charlie explore how curiosity, communication, and conscious planning are the real generational assets—both in the paddock and around the dinner table.If you're a forward-thinking farming family that's built a successful operation but knows there's more to legacy than land and livestock, this episode will challenge and inspire. You'll walk away with practical ideas—from the power of a 12-month family calendar to simple daily rituals—that could be the key to regenerating not just your farm, but your family's future.-----------------------Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.If you want to learn the principles of how to grow your family's wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.https://thefinancialbloke.com.au/

ABC's Chief Business Correspondent Ian Verrender joined Chris Taylor on Nightlife to discuss the latest in economic, business and finance news.

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 11 July 2025. The topic for this week is: How much money do I need to retire? It’s a common question asked by those approaching retirement. In this episode, Luke provides some practical ideas and actions to help you […]

Yesterday we were talking about Chlöe Swarbrick's grand plans for economic reform, and today brings another interesting suggestion for economic reform, this time from Sir Roger Douglas and Professor Robert MacCulloch. I wonder if now is the time to be seriously looking at reforming our taxation system. Over the years, we've experimented with, we've dabbled in various taxes on wealth: estate duties, gift duties, stamp duties on property sales, the sort of things that other countries have and have adapted, but most were eventually abolished. The absence of a general wealth tax, capital gains tax, or inheritance tax has been a recurring topic of debate. No New Zealand government has been able to introduce a wealth tax and maintain it, but it's a staple of the Green Party's proposed Green Budget. Chlöe Swarbrick says we've done really big things in the past and there is no reason why we shouldn't again. She says in the 1930s and 40s, after world wars and the Great Depression, we came together as a country and decided to build a nation which looked at the foundations of public health care, public education, and public housing. Now, Sir Roger Douglas, former finance minister and the architect of the most sweeping economic reforms since the establishment of cradle to grave social Security and the one who did away with the high taxes, and Professor Robert MacCulloch, who you will have heard from time to time on the show, have released their plan for an economic reform. They first developed the plan for economic reform in 2016 but have updated it for 2025. They point out that by 2060, 26% of New Zealanders will be over 65, up from 16% in 2021. Professor MacCulloch and Sir Roger said that income tax on earnings up to $60,000 a year should be redirected into individual savings accounts to fund each person's health care, pension, and risk cover, and that would replace much of the current public system with private provision. This needs to be done, they say, because Treasury and Inland Revenue have both raised questions in the past year about how the government will be able to collect enough tax to fund the increasing cost of NZ Super and healthcare, the Superfund notwithstanding. People who didn't have enough in their individual accounts could still be helped by the public system, which would be funded on taxes collected on income over $60,000 a year. So under $60,000, you pay tax of a sort, but it's for you and it goes into a savings account to fund what you'll need in the future. So this would mean larger numbers of middle and higher income people paying for themselves while the system helped lower income people. MacCulloch said that would mean government costs were reduced, the quality of outcomes would be increased, and the plight of low-income earners would be improved. He says too many low-income people have no savings in KiwiSaver because they're going from paycheck to paycheck, this model would help to address that. And if you look at his model, it shows that an individual could save around $21,000 annually. You'd put $9,450 into a health account, $7,350 for superannuation, and $4,200 for risk cover. And they'd drop the corporate tax rate to help fund employer contributions. Robert MacCulloch argues that savings, not taxation reform, offers the ability to gain efficiencies in healthcare. A drop in corporate taxes would help fund employer contributions and rather than the government dictating where to go, people could choose their preferred public or private supplier. So bold suggestions. Douglas and MacCulloch's more bold than Swarbrick. But does Chlöe Swarbrick have a point that we can initiate institutional reform if we want to? It's been done before. It's bold and it's visionary and it's scary. The bigger question though, is: should we? Is the tax system that we have right now working? Chlöe Swarbrick, Sir Roger, and Professor MacCulloch argue it's not. Unlikely bedfellows, but bedfellows they are in terms of saying what we have right now is not fit for purpose and certainly will not be fit for purpose at all in the future. Do we need to make institutional change around our tax system and the way we pay for health care, the way we pay for superannuation as we get older? The cradle to grave Social Security plan, devised in the 1930s is still pretty much around in the year 2025, nearly 100 years later. Times have changed, does our tax system need to change with it? See omnystudio.com/listener for privacy information.

You're smart about tax. You've got a good accountant. You've structured things well.But what if there's one tax you're still paying — and it's not even on the spreadsheet?In this sharp and confronting MINI EPISODE, Ben Law — The Financial Bloke — exposes the silent killer most farming families never see coming: The Ignorance Tax.It's the cost of not knowing what you don't know — and it's draining your time, money, and momentum without you realising.You'll discover:What the Ignorance Tax looks like in a high-performing family (real-world red flags)How it compounds quietly over time — damaging relationships, slowing decisions, and fuelling resentmentThe one simple habit that slashes this tax and puts you back in controlIf you want to build a family and business that thrives across generations, this episode is your call to stay curious, think strategically, and stop paying for what you could fix.-----------------------Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.If you want to learn the principles of how to grow your family's wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.https://thefinancialbloke.com.au/

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 4 July 2025. The topic for this week is: Start changing your habits in the new financial year to help you achieve your medium and long term goals. Change can be hard at any point, but the new financial […]

Aden sits down with Kathryn Creasey, Capital Partners Head of Advice, for a practical conversation on tax planning. Together, they identify common blind spots that can cost investors thousands, including those related to superannuation and family trusts, as well as the effective structuring of business profits. Whether you're an expat, business owner, or building wealth for the next generation, this episode will help you plan with clarity and confidence.Download your FREE tax planning whitepaper.1:26–5:04 - What tax planning means and why it matters5:04–11:00 – Superannuation strategies and contribution tips11:00–15:33 – Structuring investment assets15:33–21:17 – How family trusts and bucket companies work21:17–26:50 – Key trigger points for tax planning26:50–34:09 – Why business owners need to plan proactivelyFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

What happens when your home, business, and family are all wrapped into one — and you never get to clock off? In this episode, Ben sits down with Katja Williams — Dubbo-based farmer, mum of four, and host of The Ultimate Farm Wife podcast — to tackle one of the most overlooked but essential ingredients for success in family farming: boundaries.This is not a fluffy chat about “work/life balance.” It's a raw, practical conversation about the invisible load carried by farming families — especially women — and how small changes in expectations, communication, and structure can transform both relationships and results. Katja shares insights from 90+ interviews with rural women, hard-won lessons from her own 11,000-acre enterprise, and actionable strategies for drawing the line before the blow-ups happen.Whether you're raising steers or raising kids — if you've ever felt like the farm is taking over your life, this episode is your permission to pause, reset, and lead your family better.-----------------------Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.If you want to learn the principles of how to grow your family's wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.https://thefinancialbloke.com.au/

Cette semaine, Nicolas Perpitch revient sur la hausse du taux de superannuation payable par les employeurs et sur la valeur des maison en constante hausse.

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 27 June 2025. The topic for this week is: How to start a pension from super? Over the past few weeks in the lead up to the end of financial year, Luke’s had some interesting client conversations and there […]

Cette semaine, Nicolas Perpitch revient sur la hausse du taux de superannuation payable par les employeurs et sur la valeur des maison en constante hausse.

Nightlife News Breakdown with Philip Clark, joined by Amy Remeikis, from the Australia Institute and an independent political commentator. 

This is the second part of a two-part conversation with Amber Dawson - make sure to listen to Part 1 for the full background on our initial chat and intro to Amber.In this second part of my chat with Amber Dawson, senior financial advisor at Ally Wealth Management in Perth, we're talking about superannuation: what it is, how it works, and why it's one of the most tax-efficient ways to build long-term wealth for expats living and working in Australia.We unpack the tax benefits of super contributions, what happens when you leave Australia, and why trying to cash out early could cost you dearly. Amber shares practical tips for anyone navigating financial decisions between Ireland and Australia, from capital gains on Aussie property to the challenges of moving pensions across borders. We also talk about common mistakes expats make, the emotional side of relocation, and the power of planning your financial future BEFORE life makes the decision for you.If you're an Irish expat in Australia, a returning Irish repat, or just trying to make sense of your super and investments when living elsewhere, you'll find what you need here.Main Topics discussed in this Episode:Superannuation Basics & Tax Benefits: Amber explains how superannuation works in Australia, including its tax-advantaged structure and why it's a key tool for long-term wealth building.Accessing Super When Leaving Australia: We explore what happens to your super if you leave Australia, including the potential tax pitfalls of early withdrawals and why patience often pays off.Transferring Pensions Across Borders: Amber and I discuss the complexities of moving pension funds between Australia and other jurisdictions, particularly the limited options for transferring super out of Australia.Financial Planning for Expats & Repatriation: Whether you're planning to leave Australia or return, we highlight the importance of future-proofing your financial decisions based on your goals—even when life doesn't go to plan.Common Mistakes Expats Make: From poorly timed property sales to misaligned financial products, Amber shares real-world examples of avoidable mistakes and the value of seeking advice early.Your special offer from Amber Dawson & Ally Wealth:Book a meeting with Amber to start your personalised Strategy Paper: https://calendly.com/ally-wealth-amber/introductory-meeting-online. Amber's LinkedIn: https://www.linkedin.com/in/amber-dawson/ More info for Expats on Ally Wealth's Website: https://allywealth.com.au/blog/ *****If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify.Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today:

Does superannuation pass the pub test?See omnystudio.com/listener for privacy information.

Wall Street closed mixed to start the new quarter as investors rotated out of tech stocks to start the new quarter. The Dow Jones rose 0.91%, the S&P 500 fell 0.11% and the tech-heavy Nasdaq ended the day down 0.82%. Investors are also weighing the latest developments with President Trump's major tax and spending bill while assessing comments from Fed Chair Jerome Powell around the rate outlook in the US.In Europe overnight, markets closed mostly lower as investors monitored the European Central Bank's annual forum in Portugal. The STOXX 600 fell 0.2%, Germany's DAX lost 0.8%, the French CAC closed flat, and, in the UK, the FTSE 100 ended the day up 0.3%.Across the Asia region on Tuesday, markets closed mixed as investors assessed record gains on Wall St to end June and remain concerned over the global impact of tariffs amid the looming deadline day next week. China's CSI index rose 0.17%, Hong Kong's Hang Seng was closed for a public holiday, Japan's Nikkei fell 1.24%, and South Korea's Kospi index ended the day up 0.6%.The ASX200 started the new trading month virtually flat as investors regrouped to navigate the start of FY26 with headwinds in the form of geopolitical tensions, trade wars and elevated valuations creeping in from FY25.Over the last 12-months financials stocks have soared over 26% led by sector heavyweight CBA (ASX:CBA) which has experienced share price appreciation of 45% as investors flocked to safe haven investments during the last 12-months of elevated volatility and uncertainty. For the same reason, gold stocks have also been on a tear over the last financial year.Heading into the new year, the first session of FY26 was uneventful as investors still await clarity on the tariff front, particularly on the outcome of talks between the US and China. Both rate sensitive sectors in tech and real estate stocks offset weakness among industrials and materials stocks on Tuesday.Superannuation takeover target Insignia Financial (ASX:IFL) rallied over 5% on Tuesday after final takeover bidder, CC Capital, said it would continue working toward making a binding offer for the company after months and other bidders involved in the deal.And in the healthcare space Mesoblast (ASX:MSB) shares rose over 8.5% after the company announced progress of its treatments with the US FDA toward commercialisation, with the company intending to file by the end of the year for accelerated approval. What to watch today:On the commodities front this morning, oil is trading 0.45% higher at US$65.40/barrel, gold is up 1.04% at US$3337.65/ounce, and iron ore is down 1.12% at US$93.41/tonne.The Aussie dollar has weakened against the greenback to buy 65.72 US cents, 94.51 Japanese Yen, 47.85 British Pence and 1 New Zealand dollar and 8 cents.Ahead of the midweek trading session here in Australia the SPI futures are anticipating the ASX will open the day up 0.21%.Trading Ideas:Bell Potter has maintained a buy rating on Perenti (ASX:PRN) and have raised the 12-month price target to $1.80 from $1.45 following the announcement of a contract win at the Great Fingall underground project with Westgold Resources (ASX:WGX) in WA worth $200m over 3-years.And Trading Central has identified a bullish signal on Yancoal (ASX:YAL) following the formation of a pattern over a period of 9-days which is roughly the same amount of time the share price may rise from the close of $5.91 to the range of $6.70 to $6.90 according to standard principles of technical analysis.

Happy new financial year to all those who celebrate! If you're not already busy preparing your tax return, take a listen for all the changes you need to be across in effect from today. Plus, if you've been wondering why adult friendships feel so much harder than they used to be, you're definitely not alone... And in headlines today Emergency crews are on standby as a 'cyclogenesis' low pressure system threatens to bring heavy rain & destructive winds to the NSW coast; The Israeli military has acknowledged civilians have been harmed while trying to access aid in Gaza, saying instructions have been issued following lessons learned; The jury in the Sean 'Diddy' Combs sex trafficking trial have begun to deliberate a verdict; Prince William's charity polo event has split with a donor who was allegedly offering a private meeting with the Prince and Princess of Wales to solicit donations Read more about the Wednesday waffle here & adult friendships here THE END BITSSupport independent women's media Check out The Quicky Instagram here GET IN TOUCHShare your story, feedback, or dilemma! Send us a voice note or email us at thequicky@mamamia.com.au CREDITS Hosts: Taylah Strano & Claire Murphy Guests: Ailish Delaney, Mamamia News WriterAudio Producer: Lu Hill Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

IRD reports that New Zealand will need to restructure the tax system to fund the superannuation. Capital gains tax could be on the table, and even a GST hike from 15%. What sort of adjustments should we expect? Is there any other way to fund the super? Tim Beveridge talks to PwC Tax Policy Leader, Sandy Lau... LISTEN ABOVESee omnystudio.com/listener for privacy information.

Our recent show on crypto, which was openly sceptical about Bitcoin, triggered a storm of response from listeners who believe Bitcoin is a very worthy asset.Today, we hear another point of view: AMP recently invested $27m in Bitcoin and that decision has returned around 40 per cent in profits. In today's show, we cover... The bull case for Bitcoin from a mainstream investor Must you understand something to invest in it? The widening 'use case' for crypto FY 2025 investment wrap - too good to be true? Shane Oliver, chief economist at AMP joins Associate Editor- Wealth, James Kirby in this episode See omnystudio.com/listener for privacy information.

From the "we can't get out of our own way" file comes the question, as posed this week by the Retirement Commissioner, as to whether people who have money in the bank should get the pension. The first part that is wrong with that is I thought we had decided many a decade ago, rightly or wrongly, that Super is an entitlement. Its trigger, rightly or wrongly, is age, therefore the other criteria you might like to add to the equation like height, weight, job, brain power or savings, are null and void because age is what does it. So are we changing that, are we? Because that is the inference in the question. The inference is also this sneering socialist bend some people have around success. "Don't be too successful" is the message, and that's what savings generally are. You had a plan, you worked hard, and you put a few dollars aside. Interestingly the numbers are depressing. This is where the question came from. There are 33,000 over the age of 65 who earn between $100-200k a year. There are 9,000 who earn more than $200k. That's not a lot of people. It shows you how poorly paid we are, how bad at saving we are and how expensive life is to stop you saving. A whole bunch of stuff leads us to not being a very well-off sort of country. I have said this many times – I'm not fussed. I didn't join KiwiSaver and I'm not relying on a pension. Why? Because when I started work in 1982 it was very well established that the pension may or may not be around at all, so why take the risk? And in 1982, on the minimum wage as I was, I had 45 years to get my act together and do something about it. The problem with keeping on asking these questions is it messes with people and their intentions. Governments have been bad enough already with their constant changing of the rules and their contributions, the last thing we need is thought bubbles on what should be a long term, leave it alone, get out of the way, understanding among us all that the pension is our society's recognition of a life's work. Change the age if you want. But penalising success is the opposite of what we want to promote. See omnystudio.com/listener for privacy information.

ஆஸ்திரேலியாவில் இந்த ஆண்டு ஜூலை 1 முதல் – அதாவது புதிய நிதியாண்டில் பல மாற்றங்கள் வர உள்ளன. குறிப்பாக Superannuation எனப்படும் ஓய்வூதிய சேமிப்பு, குறைந்தபட்ச ஊதியம் மற்றும் பணியிட உரிமை தொடர்பில் நடைமுறைக்கு வரவுள்ள மாற்றங்கள் குறித்த செய்தியை எடுத்துவருகிறார் றேனுகா துரைசிங்கம்

FIRST WITH YESTERDAY'S NEWS (highlights from Thursday on Newstalk ZB) Who's Paying for This?/Stop Living so Long/I Only Want to Vote Once/There's Not Much You Can Do About the End of the World/Schnitzel MemoriesSee omnystudio.com/listener for privacy information.

You're kicking goals. The numbers look great. The farm's expanding. But here's the question nobody's asking:At what cost?In this punchy MINI EPISODE, Ben Law — The Financial Bloke — delivers a much-needed gut check for ambitious rural families and business owners chasing growth at full tilt.Because success built the wrong way might leave you wealthier… but lonelier, burned out, or disconnected from the people who matter most.Ben shares the subtle warning signs he sees in farming families across the country — and unpacks 7 practical mindset shifts to help you win well, not just win big.You'll learn:Why some of the most “successful” families feel the most fracturedHow fear, control, and tunnel vision sabotage long-term successThe shifts High Performing Families make to stay united, grounded, and fulfilledThis is a must-listen for anyone building a life and legacy — not just a balance sheet.-----------------------Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.If you want to learn the principles of how to grow your family's wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.https://thefinancialbloke.com.au/

Dal 1° luglio, il contributo minimo richiesto ai datori di lavoro per i conti di superannuation dei dipendenti salirà dall'11,5% al 12%. Primo passo verso la riforma fiscale di cui tanto si parla o solo la progressione di un percorso iniziato anni fa?

Retirement commissioner Jane Wrightson believes the government should be considering means testing what is currently a universal benefit, an idea she concedes is unpopular. Data from the 2023 census shows more than 9000 people aged over 65 earn more than $200,000 a year. Another 33,000 earn between $100,000 and $200,000. Treasury estimates superannuation costs the government about 18 cents of every dollar it collects in tax, or more than 24 billion dollars this year. Honorary Associate Professor of Economics at Auckland University, Susan St John, spoke to Lisa Owen.

Grain Producers Australia wants growers to have more say on how their levy rate is spent, Australian company Vow gains permission to sell its lab-grown meat domestically, and farmers raise concerns about the Federal Government's plan to collect more tax from people with multi-million-dollar super balances.

Discussions are circling on whether now's the time to means-test Superannuation. 2023 Census data shows 33,000 over-65s earned $100,00-to-$200,000 dollars - and more than 9,000 topped that figure. Retirement Commissioner Jane Wrightson says if there is a strong economic argument Super isn't affordable, means-testing could be worth it. "If you're earning more than, say, $180,000 a year and you're claiming the super, then the cost to the taxpayer might be questioned." LISTEN ABOVESee omnystudio.com/listener for privacy information.

THE BEST BITS IN A SILLIER PACKAGE (from Thursday's Mike Hosking Breakfast) The Health Benefits of Watching Ardie/The Other Super Conversation/Does Your Boss Own Your Opinions?/Socialist Shake-up In NYCSee omnystudio.com/listener for privacy information.

澳洲被界定為殘疾的人口突然大幅增長；究竟是因為澳洲人變得越來越不小心，還是背後隱藏著一個由善意鋪成的、正走向財政懸崖的制度問題？ 澳洲的國民殘疾保險計劃 (NDIS)，開支增長驚人，即將超越國防預算，這引發了一個深刻的提問：一個旨在提供「尊嚴」的社會安全網，為何會演變成一個可能拖垮國家的財政巨獸？ * 爆炸性增長與沉重負擔* NDIS 計劃的參與人數在 2025 年預計達到 69 萬人，其中近一半是18歲以下的青少年及兒童。* 僅 2024 年下半年新增的個案中，就有七成是 15 歲以下的兒童，特別集中在 5 至 7 歲的年齡段，診斷多為自閉症或發展遲緩。* 此類青少年參與人數比 2011 年生產力委員會的最初估計高出 95%。* 2024 年，NDIS 的總開支已攀升至 510 億澳元。其年度複合增長率高達 8%，遠超澳洲約 2.4% 的通脹率。* 預計到 2026 至 27 年，其開支將超越澳洲的國防預算；到 2033 至 34 年，甚至可能超過退休金 (Superannuation) 的相關支出。* 「無序擴張」的雙重驅動* 定義擴大：澳洲對「殘疾」的定義遠比其他地區寬鬆。根據 2022 年的人口普查，澳洲有1 7.3% 的人口被界定為殘疾，遠高於香港的 8.1% 和美國的 13%。這意味著「殘疾」的門檻被降低，涵蓋範圍從嚴重的肢體傷殘擴大到發展遲緩等情況。* 政治推動：疫情期間，時任 NDIS 主席的 Bill Shorten 推行多項改革，旨在幫助更多人、提供更多資源，導致了開支的「無序擴張」。政客透過「慷他人之慨」來換取支持，是這類社會開支難以削減的根本原因。* 制度後果：資源錯配與道德風險* 資源錯配：一方面，有嚴重智力障礙、真正需要幫助的個案，在畢業後資助反而被削減。* 尋租與浪費：另一方面，龐大的資金池吸引了投機行為。例如，有投資客利用自我管理的退休金投資NDIS的殘障人士宿舍，期望獲取穩定的政府補助租金，但最終因投資平台倒閉而蒙受損失。* 資訊不對稱：殘疾的診斷，特別是心理或發展層面的問題，很大程度上依賴當事人的主觀陳述，專業人士難以完全客觀判斷，這為過度診斷 (Over-diagnosis) 和資源濫用製造了空間。結論：從制度反思到公民社會澳洲NDIS的困境，揭示了幾乎所有現代國家共同面對的挑戰：當我們將「行善」的責任外判給政府，透過「慷他人之慨」來實現社會目標時，往往會帶來意想不到的負面後果。這不僅是資本會「無序擴張」，政府開支與權力同樣會「無序擴張」，最終可能形成一種壓榨型經濟。與其無止境地依賴一個集中化的制度，我們是否應該重新思考個人與公民社會的角色？ 真正的幫助，或許並非來自政府的巨額撥款，而是源於每個人親力親為，在自己的家庭、社群中，對身邊的人付出關懷與支援。這種源於個體的善意，才是唯一無法被制度蠶食、且真正有效的解決之道。 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit leesimon.substack.com/subscribe

Over decades of compulsory contributions, Australians have amassed $4 trillion in retirement savings. But behind this headline success lies a range of unresolved policy problems. The promise was a more comfortable retirement. The reality is a taxpayer-subsidised inheritance scheme. Listen to our CEO Aruna Sathanapally in conversation with Grattan's superannuation policy experts, Brendan Coates and Joey Moloney, as they critique a system that needs reform. For more information, visit: https://grattan.edu.au/

ஆஸ்திரேலியாவில் நடுத்தர வருமானம் ஈட்டும் 30 வயதுடைய ஒருவர், வசதியாக ஓய்வு பெறுவதற்கு போதுமான நிலையான சூப்பர் சேமிப்புடன் ஓய்வு பெற முடியும் என ஆஸ்திரேலிய ஓய்வூதிய நிதிகள் சங்கத்தின் சமீபத்திய மிதிப்பாய்வு கூறுகிறது. இது குறித்த செய்தியின் பின்னணியை தயாரித்து வழங்குகிறார் செல்வி.

Buy Punters T-shirtsSupport We the Punters on PATREONAfter so much pushback on the previous opinion expressed about the proposed superannuation tax changes, Punter Konrad sits down with economist Leith Van Onselen and some forceful youtube comments to explore if he was wrong to not be worried about the proposed decrease in tax concessions given to the wealthiest 0.5% of Australians. Leith Van Onselen from Macrobusiness What Punter are you? Take the Quiz! Buy Punters Stickers & T-shirtsSee omnystudio.com/listener for privacy information.

This episode of "The Two Jacks," with Jack the Insider and Hong Kong Jack, covers a range of topics including the struggles of free-to-air television in Australia, the proposed superannuation tax on high balances, the complexities of housing affordability and development approvals, and the political landscape in the United States, particularly regarding immigration and the actions of the Trump administration. They also touch on the passing of author Frederick Forsyth, the controversial Gaza Freedom Flotilla with Greta Thunberg, and lighter topics like the "Dull Men's Club" and AFL updates.Timestamped Events:00:00:51: Discussion on the cancellation of Channel 10's "The Project" and the future of free-to-air television in Australia.00:20: Superannuation tax on unrealized capital gains is debated, including a case study.00:30: Housing affordability and the challenges of planning approvals are discussed.00:40: The dynamic between Elon Musk and Donald Trump, and the power of the presidency is explored.00:46: The conversation shifts to Trump and the courts, and the use of federal power regarding immigration.01:04: The life and work of author Frederick Forsyth are remembered.01:09: The Gaza Freedom Flotilla and Greta Thunberg's involvement are analyzed.01:19: The "Dull Men's Club" is introduced.01:21: AFL updates, including a controversial bump and discussion of CTE.01:27: Rugby and football (soccer) are discussed, including Ange Postecoglou's departure from Tottenham.01:31: Tennis at Roland Garros and interesting sports statistics are shared.01:35: Closing remarks and listener interaction information.

Nearly a million people in New Zealand are currently receiving Superannuation, getting payments of between nearly $600 and just over $1000 every fortnight. But in this cost of living crisis, how easy is it to survive on the pension? Ed McKnight tried living on it for a week and came to a couple of conclusions around what it would be like to retire. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Gene Tunny and John Humphreys dissect the causes behind Australia's productivity slump, analysing recent GDP data, labour market policies, and regulatory constraints. They debate whether tax cuts should precede spending cuts and question the effectiveness of central planning and government intervention (i.e. ‘picking winners') in driving innovation. John is Chief Economist at the Australian Taxpayers' Alliance (ATA). This episode is the audio of an ATA livestream on 12 June 2025.Please email Gene your thoughts on this episode via contact@economicsexplored.com.TimestampsNational Accounts and Productivity Concerns (0:00)Government's Productivity Roundtable and Regulatory Reforms (4:34)Economic Policy and Institutional Reforms (8:19)Challenges in Private Investment and Productivity Measures (13:56)Industrial Relations and Labour Market Reforms (18:14)Housing Market and Regulatory Barriers (22:56)Tax Reforms and Fiscal Responsibility (29:59)Superannuation Tax Changes and Political Implications (47:15)Conclusion and Future Prospects (57:22)TakeawaysAustralia is in an 8-year productivity slump, with minimal growth in GDP per hour worked and GDP per capita declining in most recent quarters.The Albanese Government's proposed productivity roundtable is met with scepticism, particularly due to its unwillingness to touch industrial relations.Private investment remains weak, threatening future economic growth despite government spending and immigration-fueled expansion.Superannuation changes are controversial, especially the proposal to tax unrealised gains and the lack of indexation, prompting fears of unfair treatment of self-managed funds.Regulation, housing policy, and taxation are significant barriers to productivity; both speakers call for serious reform and question whether centralisation in Canberra helps or hinders progress.Links relevant to the conversationATA livestream (i.e. video of this episode):https://www.youtube.com/live/lDlner_PHc0?si=1M9krIiPwvIcFxLsATA website:https://www.taxpayers.org.au/Australia's National Accounts:https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-national-income-expenditure-and-product/latest-releaseLumo Coffee promotion10% of Lumo Coffee's Seriously Healthy Organic Coffee.Website: https://www.lumocoffee.com/10EXPLOREDPromo code: 10EXPLORED 

The Census, and some of those numbers released this week, really are a treasure trove of not just fact and stats but, I would have thought, hope. That astonishing move south, with the tens of thousands who have headed to the South Island and particularly Christchurch, is a framework for what the whole country could be. A few choice decisions, a bit of get-up-and-go, a bit of cooperation and a bit of vision. There are parts of this country that clearly have it right and are clearly magnets in their own right. Then there were stats around work. That very word "work" is a problem It's reported as a negative. "More and more people are working longer", indicating you want to stop. You want to stop of course because of the pension. You can stop anytime you like. There is no law around age and work. But the stats and the reportage of work and age are increasingly out of date. As we live longer, of course we are going to work longer. Why wouldn't we? Work is actually good for us. Work is fun. Work is rewarding, financially and emotionally. We are challenged by work. Work should not be a thing that you expect to end. It's the same as health and fitness, or diet, or leisure. 50% of us are working between the ages of 65 and 69. A quarter of us are working between ages 70 and 74. Even 10% of workers are over 75. And why not? If you resent it and have to work, fair enough. If psychically you are knackered, sure, play bowls. But the days of Grandad and a gold watch and one company for life and the company pension are long gone. We need to break the psychological hold Superannuation has over us. It's not even a lot of money. If it was lotto I'd get it. But it's a bare minimum and it speaks, sadly, to this country's productivity and work ethic that too many are too reliant on it. Working longer will actually lead to better health outcomes. Hopefully the kids, who the Census tells us are working more as well with teenagers having never been more employed, will enter the workforce with a view that work is for life, because we see work for the good, not work for the drudgery. If you happen to be working into your old age and doing it in the South Island, that's not a bad life at all.See omnystudio.com/listener for privacy information.

Superannuation funds in Australia are evolving rapidly, finding new pathways to optimize returns and manage risks. How are they leveraging size, adapting their operations, and enhancing their data strategies for better investment outcomes? What can other regions learn from their focus on private markets and technology investments? In this episode, host Paul Fahey speaks with … Read More Read More

Nagdulot ng kontrobersiya sa ilang bahagi ng komunidad ang mga pagbabago ng Labor sa paraan ng pagbubuwis sa superannuation. Bagama't hindi ito bagong polisiya, ating alamin kung ano ang epekto ng mga pagbabago.

Hello and welcome to Episode 275 of the People Powered Business Podcast.This week we have a brief but important technical update for you after the Fair Work Commission announced its decision around the National Minimum Wage increase effective 1 July.This year we have a 3.5% wage increase being applied to the National Minimum Wage and all Modern Award Minimum Wages effective 1 July 2025.But really, in the scheme of the changes happening in the Industrial Relations legal landscape over the last 2 years, this isn't the biggest change we need to ensure we're across.We have yet another increase to Superannuation on the 1st July 2025, and of course the final implementation phase of the Right to Disconnect laws in August 2025.This is on top of the last 12 months significant changes to the casual employment definition, the new pathway for casual conversion and the constantly murky area of employees v's contractors conundrum – all of which employers are still struggling to grapple with.The reality is, as an employer it is our responsibility to proactively keep up with these changes, so if you're not across them, now is the time to get support and ensure your business is not at risk.If you'd like to connect with other businesses who are also juggling the challenges of teams, I'd love you to join us inside our free Facebook Group, The People Powered Community, so I can learn more about what's working for you and any challenges you might be having.Join Here. https://www.facebook.com/groups/hrsupportaustraliaMentioned in this episode:Fair Work and Modern Awards Compliance Essentials WebinarIt's that time of year again. Award rates are going up. The Fair Work Act is changing (again). And if you're not across the updates, your business could be at risk - without you even realising it. That's why I'm hosting a live webinar this June: Fair Work and Modern Awards Compliance Essentials. We'll cover what's changing, what it means for you, the simple steps to stay on the right side of Fair Work and the common mistakes that can land you in hot water - and how to avoid them. It will be practical and jargon free. Get your place by clicking here: https://www.peoplepoweredbusiness.com.au/fairwork

Money can really complicate relationships. On this episode of the Friends With Money Podcast, hosted by Money's Vanessa Walker, writer Nicola Field discusses ways to have healthy financial relationships, even when things go wrong. They explore how to maintain healthy financial relationships, the realities and statistics of marriage and divorce in Australia, and key factors like transparency, communication, and financial goals in relationships. Field emphasises the importance of financial binding agreements, managing finances together, and strategies for protecting and distributing assets and inheritances. 00:19 Exploring Money and Relationships 01:22 The Reality of Relationship Longevity 02:34 Positive Financial Signs in Relationships 03:27 Red Flags in Financial Relationships 04:22 Understanding De Facto Relationships 05:30 Protecting Yourself Financially in Relationships 07:15 Managing Finances as a Couple 08:41 Superannuation and Family Dynamics 10:37 Navigating Separation and Divorce 12:46 Blended Families and Financial Protection 14:59 Designing an Inheritance #friendswithmoney #vanessawalker #nicolafield #relationships Listen on Apple Podcasts Listen on Spotify Money Website YouTube Podcast Playlist Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbRSee omnystudio.com/listener for privacy information.

ඇතැම් superannuation ගිණුම් සඳහා වන බදු පැනවීම සම්බන්ධයෙන් වන ලේබර් රජයේ යෝජනා ගැන සමාජයේ ඇතැම් පිරිස් අතර යම් කතා බහක් ඇතිවී තිබෙනවා. මෙම බදු පැනවෙන්නේ කොහොමද, බදු පැනවීමේ ප්‍රතිශතය කුමක්ද වැනි කාරණා ගැන වැඩිදුර තොරතුරු අද කාලීන තොරතුරු විග්‍රහයෙන්

Labor's changes to the way superannuation will be taxed has caused an uproar in parts of the community. The policy isn't new, so what's the big deal about it now? And what do the changes actually mean?

The Albanese government wants to increase the tax on super balances above $3m. The treasurer, Jim Chalmers, says it is a modest change but there have been countless articles and columns warning of the economic havoc it could wreak and the impact this would have on the retirement savings of young Australians. Nour Haydar speaks to the national news editor, Josephine Tovey, and the head of newsroom, Mike Ticher, about what will happen if Labor pushes forward with the reform

In this bulletin; a warning over the Labor Government's superannuation tax change, Tasmania's premier continues the fight for his political life, and in sport, Portugal defeats Germany to score a seat at the UEFA final.

The Albanese government wants to reduce the tax breaks for those with more than $3m in superannuation. And while sections of the media are highly critical of the changes, others say the proposal does little to address intergenerational inequality in the tax system. Columnist Greg Jericho speaks to Reged Ahmad about why the media debate over a smaller tax break for Australia's wealthiest 0.5% is divorced from reality You can support the Guardian at theguardian.com/fullstorysupport

In this episode Rachel and Lynne discuss the intricacies of freelance finances with Julia Newbould, an editor, journalist, and author with extensive experience in financial reporting. Julia shares insights on transitioning from spreadsheets to accounting software, the importance of financial literacy, and strategies for effective money management for freelancers.   She also talks about: Her journey in journalism Her efforts to increase female representation in financial advising  Setting up multiple bank accounts for effective cash flow management The significance of emergency funds Superannuation for freelancers Plus tips on raising prices and handling financial anxiety Connect with Julia via LinkedIn https://www.linkedin.com/in/julia-newbould-44454712/  Find Lynne www.lynnetestoni.com Find Rachel www.rachelsmith.com.au  Rachel's List www.rachelslist.com.au If you have questions you'd like us to answer in our next Q&A episode, just send them here. Thanks (as always) to our sponsors Rounded (www.rounded.com.au), an easy invoicing and accounting solution that helps freelancers run their businesses with confidence. Looking to take advantage of the discount for Rachel's List Gold Members? Email us at: hello@rachelslist.com.au for the details. Episode edited by Marker Creative Co www.markercreative.co 

The government's proposed $3 million Superannuation tax is capturing headlines and sparking fierce debate. In today's episode we break down the proposed changes, why they're controversial and everything you need to know. That's not all we unpack in another big episode of Equity Mates: WiseTech has made its biggest acquisition to date Uranium stocks are ripping BYD continues to outpace Tesla Why Aussie tech stocks reach such crazy valuations —------Want to get involved in the podcast? Record a voice note or send us a message—------Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing - we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)Check out our latest show: Basis Points (Apple | Spotify | YouTube) and read the accompanying Basis Points email—------Looking for some of our favourite research tools?Download our free 4-step stock checklistFind company information on TIKRScreen the market with GuruFocusResearch reports from Good ResearchTrack your portfolio with Sharesight—------In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. —------Equity Mates Investing is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Christopher Luxon remains hopeful the latest cut in the OCR isn't the last. The Reserve Bank's dropped the Official Cash Rate 25 basis points to 3.25%, and is now forecasting it will reach a low of 2.9 percent in December. But the Monetary Policy Committee wasn't able to reach a unanimous decision to cut the cash rate. The Prime Minister told Mike Hosking Acting Governor Christian Hawkesby is dealing with a period of global uncertainty. He says there's a huge amount of volatility that Hawkesby is navigating, but the economy is turning a corner. LISTEN ABOVE See omnystudio.com/listener for privacy information.

It is suggested Peter Dutton in Australia lost the election because of his nuclear issue and work from home policies. I personally think he lost because they ran a hopeless campaign. But it is more than possible that he floated a couple of ideas that the voter simply could not stomach. I am wondering if Chris Luxon is heading in a similar direction here with superannuation. Nuclear makes sense. Working from home hinders productivity. But the voter is always right and being a voter beats logic. Will the voter be right here on superannuation? Are there enough New Zealanders who have landed on the simple truth that 65-years-old, as a pension age, is no longer sensible, nor affordable? $28 billion is the bill each year, and growing. That seems worse now because we are broke. But even in good times it's a stunning amount of money. National will take it to the vote next year. They may be saved from themselves by NZ First, if they are still in the mix, because it will be a bottom line. But we reach the interesting point where logic and emotion collide. For many, superannuation is untouchable. It's a lifetime's worth of work. "i paid my taxes" they say, even though that line isn't actually real because we spent your taxes years ago and then borrowed a bit more to keep the lights on. 65-years-old is the new 50-years-old and, post-Covid, older workers have never been in more demand. The days of being out to pasture are increasingly gone. 65-years-old is not old. Imagine a day where you enter the workforce knowing you need to take care of yourself. Yes, if you strike trouble the pension is a welfare payment, not an entitlement. But we either have to change the narrative and mindset from entitlement to welfare, or we need to up the age. In upping the age over time, even giving years worth of notice, it's still a very big call. It underlines our desire for free stuff, or perceived free stuff. Once you set a precedent with money it is fantastically hard to undo. But Luxon, apparently, is keen to give it a crack. He calls it a no brainer. First clue - there aren't many who think it's a no brainer. Labour learnt the hard way over the capital gains tax. Luxon may be about to learn something similar.See omnystudio.com/listener for privacy information.

This is the converstion I just had with Shamubeel Eaqub about the report on Social Cohesion that he has recently co-authored.  It is a wide ranging conversation where we cover: How to foster Social Cohesion, one positive step each day The negative side and reality of poverty in Aotearoa New Zealand Whether some issues like education, health and housing need to be removed from the political cycle Superannuation and what higher contribution rates might unlock The role of arts, sport, spiritual and community groups in building cohesion It was a wide ranging interview and I would love to hear feedback on what stands out to you?   The Report is here https://helenclark.foundation/support-our-work/social-cohesion/  440+ more interviews and content is at www.theseeds.nz