12 April 2019

Our latest retirement income projections show most Australians will still have enough

The latest Grattan Institute projections show that most Australians can expect an adequate retirement income. But pensioners that rent will continue to struggle.

12 April 2019

Fewer retirees will own their home in future, and that has big implications for policy

Australia’s retirement incomes system has been built on the assumption that most will own their own home. But new Grattan modelling suggests that’s no longer valid.

3 April 2019

Budget 2019: the super change that helps the wealthy at the expense of the young

Another federal budget, and yet more tinkering to superannuation tax breaks. But the latest changes will only help older wealthier Australians. The losers are younger workers and taxpayers.

25 February 2019

Where is home for marginalised consumers?

Most low-income Australians secure their housing in the private rental market, and even more will do so in future. Housing policy should reflect that reality.

19 February 2019

This time it’s Labor and the Greens standing in the way of cheaper super

The Federal Government’s Protecting Your Super Package Bill was designed to cut the unnecessary costs in superannuation, significantly boosting balances when workers retire. Yet it’s been gutted in parliament by Labor and the Greens.

12 February 2019

Now’s the time to legislate repairs to our deeply flawed super system

Just weeks after the Productivity Commission and the Hayne royal commission shone a spotlight on the outrageous rorts in super­annuation, we get to see whether federal parliament has the resolve to start fixing them.

11 February 2019

Curbing finance might make housing cheaper, but would it make us better off?

Many younger Australians are justifiably anxious about housing affordability. In his book Why You Can’t Afford a Home, economist Josh Ryan-Collins pins the blame on the banks. But he doesn’t tell the full story.

5 February 2019

We need generational change on retirement incomes

It’s been a quarter of a century since the Keating government introduced a retirement-income package in 1992 and Vince Fitzgerald reported on national savings in 1993. For a generation, Australian retirement incomes policy has been dominated by their assumptions. Public policy should be based on the best evidence we have. As time goes by, the evidence gets better, and we can test long-held assumptions. If they turn out to be wrong, then we should change the policy accordingly.

10 January 2019

Productivity Commission finds super a bad deal. And yes, it comes out of wages

Want more to retire on? In its long-awaited final report on the efficiency and competitiveness of Australia’s leaky superannuation system, Australia’s Productivity Commission provides a roadmap.

5 December 2018

What He Should Be Reading: Grattan’s 2018 PM Reading List

The summer break is one of the few times of the year that we switch off our screens for long enough to lower the height of that pile of shame beside the bedside table. There is still a magic to books, which provide enough space for a nuanced view of a topic, without reducing it to mere talking points. But reading a book takes time, and Prime Ministers have even less time than others. To make best use of a rare opportunity, Grattan Institute recommends each year a summer reading list for the Prime Minister.