Investors warned off making extra super contributionsBY MARK SMITH | THURSDAY, 11 JUL 2013 11:55AMAnyone under 50 should invest the absolute minimum amount into their superannuation fund, according to well-known stock-picker Roger Montgomery. |
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Yes Roger, the goal posts most certainly will change over the coming years and decades. What probably won't change though is the government knowing that the best way to ease future aged pension payments is for Australians to have a healthy super balance. It stands to reason that voluntary contributions into super will only occur is there are tax benefits; ergo there will always be more favourable tax rates inside, rather than outside, the superannuation environment.
Superannuation is certainly something of a political football and there may well be further change but I am unsure why anyone would decry the super fund earnings tax rate of 15% and a pension fund earnings tax rate of 0%. Even if there is an alteration to these tax levels, many investors are still left vastly better off when compared to their marginal rate of taxation. Sure, don't invest in super with your "ears pinned back" but don't be closed minded about the benefits either.
"It's as certain as gravity,"
Not only is Earth's gravity marginally inconsistent around the globe, it also fluctuates depending on the underlying mass of the Earth. Seismic events and even changes in groundwater levels can change the force of gravity in a given area. In addition, plate tectonic activity and the movement of glacial ice sheets have also been known to dampen gravity.
Sounds like the markets, Roger. You seem to be saying that uncertainty is certain. Nothing is certain, just ask Heisenberg.