{"id":8270,"date":"2013-08-12T23:18:27","date_gmt":"2013-08-13T03:18:27","guid":{"rendered":"http:\/\/goldstocksforex.com\/?p=8270"},"modified":"2013-08-12T23:18:27","modified_gmt":"2013-08-13T03:18:27","slug":"superannuation-is-inequitable-and-unsustainable-macrobusiness","status":"publish","type":"post","link":"https:\/\/thepatientinvestor.com\/index.php\/2013\/08\/12\/superannuation-is-inequitable-and-unsustainable-macrobusiness\/","title":{"rendered":"Superannuation is inequitable and unsustainable | | MacroBusiness"},"content":{"rendered":"

I agree with Leith van Onselen that Australia’s aged pension\/superannuation regime will be sorely tested over the next 30 years as the number of workers per retiree falls to below 2.5 to 1:<\/p>\n

\"Workers<\/p>\n

But I don’t agree with his proposed solution:<\/p>\n

\n

…The flat 15% tax on superannuation contributions should also be axed in favour of a flat 15% concession. As illustrated above, under the current 15% flat tax arrangement, the amount of super concessions rises as one moves up the income tax scale, resulting in a system whereby higher income earners receive the most super tax benefit, despite being the very people that are the least likely to rely on the aged pension in retirement. A flat 15% concession, by comparison, would improve the equity and sustainability of the system by: 1) providing all taxpayers with the same taxation concession; 2) boosting lower income earners\u2019 super savings and thus reducing reliance on the aged pension; and 3) reducing costs to the budget.<\/p>\n<\/blockquote>\n

Argument that the flat tax on superannuation contributions is inequitable is based on the presumption that the present system of progressive tax rates is equitable. No doubt high income-earners benefit more from the flat tax than low income-earners, but the proposal ignores the fact that they pay more income tax in the first place. And even after the larger tax savings on their super contributions, the high income-earner will pay a significantly higher average tax rate.<\/p>\n

Read more at Superannuation is inequitable and unsustainable | | MacroBusiness<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

I agree with Leith van Onselen that Australia’s aged pension\/superannuation regime will be sorely tested over the next 30 years as the number of workers per retiree falls to below 2.5 to 1: But I don’t agree with his proposed solution: …The flat 15% tax on superannuation contributions should also be axed in favour of … <\/p>\n

Continue reading “Superannuation is inequitable and unsustainable | | MacroBusiness”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40,5,50],"tags":[2634,2794,3292],"class_list":["post-8270","post","type-post","status-publish","format-standard","hentry","category-australia-nz-countries-regions","category-economy","category-financial-planning","tag-pension","tag-progressive-tax-rates","tag-superannuation"],"yoast_head":"\nSuperannuation is inequitable and unsustainable | | MacroBusiness - the patient investor<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Superannuation is inequitable and unsustainable | | MacroBusiness - the patient investor\" \/>\n<meta property=\"og:description\" content=\"I agree with Leith van Onselen that Australia’s aged pension\/superannuation regime will be sorely tested over the next 30 years as the number of workers per retiree falls to below 2.5 to 1: But I don’t agree with his proposed solution: …The flat 15% tax on superannuation contributions should also be axed in favour of … Continue reading "Superannuation is inequitable and unsustainable | | MacroBusiness"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thepatientinvestor.com\/index.php\/2013\/08\/12\/superannuation-is-inequitable-and-unsustainable-macrobusiness\/\" \/>\n<meta property=\"og:site_name\" content=\"the patient investor\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61572934660810\" \/>\n<meta property=\"article:published_time\" content=\"2013-08-13T03:18:27+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.macrobusiness.com.au\/wp-content\/uploads\/2013\/08\/ScreenHunter_26-Aug.-13-09.33.gif\" \/>\n<meta name=\"author\" content=\"ColinTwiggs\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"ColinTwiggs\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2013\\\/08\\\/12\\\/superannuation-is-inequitable-and-unsustainable-macrobusiness\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2013\\\/08\\\/12\\\/superannuation-is-inequitable-and-unsustainable-macrobusiness\\\/\"},\"author\":{\"name\":\"ColinTwiggs\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#\\\/schema\\\/person\\\/cb072791ac83e8bae585007c133d54a5\"},\"headline\":\"Superannuation is inequitable and unsustainable | | MacroBusiness\",\"datePublished\":\"2013-08-13T03:18:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2013\\\/08\\\/12\\\/superannuation-is-inequitable-and-unsustainable-macrobusiness\\\/\"},\"wordCount\":244,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2013\\\/08\\\/12\\\/superannuation-is-inequitable-and-unsustainable-macrobusiness\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/www.macrobusiness.com.au\\\/wp-content\\\/uploads\\\/2013\\\/08\\\/ScreenHunter_26-Aug.-13-09.33.gif\",\"keywords\":[\"pension\",\"progressive tax rates\",\"superannuation\"],\"articleSection\":[\"Australia & NZ\",\"Economy\",\"Financial Planning\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2013\\\/08\\\/12\\\/superannuation-is-inequitable-and-unsustainable-macrobusiness\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2013\\\/08\\\/12\\\/superannuation-is-inequitable-and-unsustainable-macrobusiness\\\/\",\"url\":\"https:\\\/\\\/thepatientinvestor.com\\\/index.php\\\/2013\\\/08\\\/12\\\/superannuation-is-inequitable-and-unsustainable-macrobusiness\\\/\",\"name\":\"Superannuation is inequitable and unsustainable | | MacroBusiness - 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As I noted yesterday, it was a pretty weak budget all things considered. Nothing of any substance. Nothing to grab the reigns of the country and ride it to a sunny future.But there were some interesting\u2026","rel":"","context":"In "Stock Markets"","block_context":{"text":"Stock Markets","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/stock-markets\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4559,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/06\/06\/smsf-education-sohow-much-can-i-contribute\/","url_meta":{"origin":8270,"position":1},"title":"SMSF Education: So\u2026how much can I contribute?","author":"Colin Twiggs","date":"June 6, 2012","format":false,"excerpt":"SMSF Education is a free online education resource for SMSF trustees and their advisers. SO\u2026HOW MUCH CAN I CONTRIBUTE? There are two types of contributions that can be made to superannuation. These are known as Concessional (pre-tax) contributions and Non-Concessional (post-tax) contributions. There are contribution caps that determine the maximum\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":3229,"url":"https:\/\/thepatientinvestor.com\/index.php\/2012\/01\/04\/the-significance-of-tax-components-within-your-smsf-warrick-hanley\/","url_meta":{"origin":8270,"position":2},"title":"The significance of tax components within your SMSF – Warrick Hanley","author":"ColinTwiggs","date":"January 4, 2012","format":false,"excerpt":"Have you ever taken note of the tax components within your SMSF? Behind the balance of your member account are two main components that make up your superannuation savings \u2013 these are the Taxable Component and the Exempt (or Tax Free) Component. The Taxable bucket consists of contributions made to\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":11609,"url":"https:\/\/thepatientinvestor.com\/index.php\/2015\/03\/09\/dads-army-fumbles-housing-affordability-macrobusiness\/","url_meta":{"origin":8270,"position":3},"title":"Dad\u2019s Army fumbles housing affordability | Macrobusiness","author":"ColinTwiggs","date":"March 9, 2015","format":false,"excerpt":"By Leith van Onselen \u2014 Published with kind permission from Macrobusiness. After his shoddy effort yesterday defending Australia\u2019s giant superannuation rort,\u00a0Dad\u2019s Army\u2019s Robert Gottliebsen (\u201cGotti\u201d), has backed Treasurer Hockey\u2019s proposal to allow young home buyers to raid their superannuation accounts to purchase their first home: Joe Hockey\u2019s idea to allow\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"Broken Window","src":"http:\/\/upload.wikimedia.org\/wikipedia\/commons\/4\/4c\/Young_woman_and_broken_window-2.jpg","width":350,"height":200},"classes":[]},{"id":7414,"url":"https:\/\/thepatientinvestor.com\/index.php\/2013\/04\/07\/australia-unsuspecting-super-investors-are-being-sold-a-pup\/","url_meta":{"origin":8270,"position":4},"title":"Australia: Unsuspecting super investors are being sold a pup","author":"ColinTwiggs","date":"April 7, 2013","format":false,"excerpt":"David Potts at the Sydney Morning Herald writes: Retirees with far less than $2 million in superannuation face extra tax bills...... the new tax will apply to all earnings above $100,000 a year from 2014, no matter the size of the nest egg. The tax net is far broader than\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9828,"url":"https:\/\/thepatientinvestor.com\/index.php\/2014\/05\/19\/where-are-the-budget-alternatives-macrobusiness\/","url_meta":{"origin":8270,"position":5},"title":"Where are the Budget alternatives? | | MacroBusiness","author":"ColinTwiggs","date":"May 19, 2014","format":false,"excerpt":"Hats off to Leith van Onselen for his perceptive comments on Australia's current budget stoush: The point is, it\u2019s fine to oppose Budget savings if you can provide an alternative plan to cut expenditure and\/or raise taxes. But simply opposing measures without providing alternatives, as has been done by the\u2026","rel":"","context":"In "Australia & NZ"","block_context":{"text":"Australia & NZ","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/australia-nz-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/8270","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/comments?post=8270"}],"version-history":[{"count":0,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/posts\/8270\/revisions"}],"wp:attachment":[{"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/media?parent=8270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/categories?post=8270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepatientinvestor.com\/index.php\/wp-json\/wp\/v2\/tags?post=8270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}