21 September 2018

Super. If Labor really wanted to help women in retirement, it would do something else

When it comes to the gender gap in retirement incomes, symbolism appears to matter more than actually achieving something. Labor’s plan to add super contributions to government-funded parental leave was heralded by Opposition Leader Bill Shorten this week as having a “big impact down the track”. Our analysis shows it would not. The boost to the retirement incomes of middle-income women would be minuscule.

26 July 2018

We need to switch off these superannuation rorts

For all the political noise about rising energy bills, Malcolm Turnbull and Bill Shorten would do well to focus more on the obscene superannuation fees paid by Australian savers if they want to save households some real money.

23 July 2018

The Government’s draft super Bill will make retirees better off

In this submission Grattan CEO John Daley and Australian Perspectives Fellow Brendan Coates argue that the Government’s draft Protecting Our Super Bill will substantially reduce the costs of superannuation, resulting in higher superannuation balances at retirement for many Australians. The Bill promises to curb egregious fees charged on inactive accounts and default insurance offered to those that don’t need it. And it may increase competition between superannuation providers a little, lowering superannuation fees.

23 July 2018

Migrants are still buying into the dream of home ownership, but it’s becoming more elusive

Recent Australian migrants are buying into the Great Australian Dream of home ownership. But rates of home ownership among recent migrants are falling, as they are among all Australians. Unless we build enough housing to match Australia’s growing population, all Australians, including migrants, will pay the price.

11 July 2018

Supply sceptics beware: without more housing, it won’t be affordable

Some affordable-housing advocates are sceptical that building more homes will result in housing becoming much more affordable. Instead they argue that there should be more subsidies for social and affordable housing, and fewer tax breaks that artificially boost housing demand.But in this presentation the Australian Conference of Economists, Grattan Institute’s Australian Perspectives Fellow Brendan Coates shows why more supply is vital to housing affordability.

10 July 2018

Tax reform: where to focus?

This overview prioritises tax reforms by comparing how much different proposals would help the economy, repair budgets, reduce inequality, and promote housing affordability.

2 July 2018

Introducing the Grattan Retirement Incomes Model

The Grattan Institute has developed a retirement incomes model to assess the adequacy of current retirement income policy settings, the Grattan Retirement Incomes Model. This presentation introduces the model, shows how it is constructed and evaluates the adequacy of retirement incomes in Australia.

27 June 2018

Housing tax reform: what difference will it make?

This presentation to the NSW Affordable Housing Conference identifies the tax reforms that will (and won’t) make a real difference to housing affordability. Changes to capital gains tax, negative gearing, stamp duty and land tax would all help. But boosting the supply of housing matters more in the long term.

8 June 2018

Four myths about income tax

When income tax scales change, it’s inherently a question of redistribution. Any change to tax rates is a decision about who should bear less — or more — of the tax burden. And because of bracket creep, any decision not to change tax rates is also a decision to shift the tax burden.

7 June 2018

Most new housing isn’t high end housing

The conventional wisdom among many affordable-housing advocates is that most new housing built in Australia is too expensive for low- and middle-income earners. This conventional wisdom is wrong. Grattan Institute’s new analysis shows that most new houses are being built in cheaper-than-average suburbs on the fringes on our major cities.

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