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A new ASIC report has revealed poor outcomes for consumers seeking to engage with their life insurance within super, finding that around one in three consumers felt confused after interacting with their fund.

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The regulator’s ‘Report 673: Consumer engagement in insurance in super’ found that “several fund members who directly engage with their insurance found the process challenging and weren’t always able to achieve what they set out to do”.

The report was based on 50 in-depth interviews with fund members who, in the last year, had reviewed the level of their insurance cover, changed the level or type of insurance cover, cancelled their insurance, changed their occupational classification within their insurance cover or compared their insurance cover before switching or consolidating funds.

The research found that the process of gaining information about insurance arrangements through super or making changes to the insurance “presented several potential hurdles to many members”, ASIC said.

“Limited knowledge and understanding of insurance in superannuation and a relative lack of confidence among members because of the complexity of web-based information were some of the issues identified’’ the regulator stated.

While most members had expected the process of engaging with their insurance to obtain basic information like how much additional cover they needed to be “a simple self-service process”, most found this was not the case, ASIC said.

“After interacting with their fund, about a third of the participants spontaneously reported that they felt confused, overwhelmed or uncertain,” the regulator stated.

The report has recommended fund trustees “significantly improve their members’ experience by improving communication to members about insurance, including on their websites”.

“Many of the problems members experienced may have been reduced or avoided if the information they sought was easy to find, clear and balanced,” ASIC said.

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A new ASIC report has revealed poor outcomes for consumers seeking to engage with their life insurance within super, finding that around one in three consumers felt confused after interacting with their fund.

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The cost of a comfortable retirement in Australia has gone up over the September quarter despite COVID-induced lifestyle changes, new research has revealed.

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Research by the Association of Superannuation Funds of Australia (ASFA) has shown that couples aged around 65 living a comfortable retirement needed to spend $62,083 per year, up 0.3 per cent, and singles $43,901, up 0.5 per cent on the previous quarter. 

The increase from a year earlier was 1.8 per cent for couples and 1.6 per cent for singles.

“COVID-19 has had a substantial impact on Australia’s financial and economic conditions, but there has been a partial unwinding of both price increases and decreases that immediately flowed from the impact of the pandemic,” said ASFA CEO Dr Martin Fahy.

ASFA noted that retiree lifestyles were yet to return to normal as restrictions on travel and changes to entertainment and dining-out options had a significant short-term impact on retirement lifestyles.

During the September quarter, health insurance premiums remained unchanged but would have increased from 1 October by around 3 per cent  for many retirees.

“Recent reductions in interest rates and dividends are having an impact on the financial position of many Australian retirees,” Dr Fahy said.

“Dramatic changes in our lifestyles had a big impact on demand and prices right across the economy, but for at least some categories of expenditure, there is a return to something closer to normal.”

Dr Fahy noted that the increase in the cost of retirement despite lifestyle changes means members who are currently still working require greater accumulation of superannuation during their working lives.

“For wage earners, the increases in costs in retirement have highlighted the need for the superannuation guarantee to move from 9.5 per cent to 12 per cent as legislated. Over the year to September 2020, official figures indicate that wages grew by only 1.4 per cent on average for the entire economy, and by only 1.3 per cent in the private sector. Over the September quarter, increases in wages in the private sector averaged just 0.1 per cent,” the ASFA statement read.

Increases in retirement costs are outstripping growth in wages and higher contributions are needed for future retirees to achieve the standard of living they want and deserve in retirement.

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Australians could draw down more on their superannuation balances, as well as access the equity in their home upon retirement, instead of sacrificing today’s wealth through increasing the superannuation guarantee, government research has revealed.

Write comment (1 Comment) " ["fulltext"]=> string(5092) "

The long-awaited release of the retirement income review (RIR) revealed that many Australians are not using the superannuation system as it is intended.

“Many people misunderstand the purpose of superannuation, believing that in retirement they should only draw on the return from the investment of their retirement savings and not touch the capital amount,” the report found.

“Most retirees die with the bulk of their wealth intact. However, the assumption that retirees use their assets more effectively in retirement highlights the outcomes that the system can deliver.”

This is leading to Australians having a poorer lifestyle in retirement than they enjoy during their working life, the report stated.

Not only are Australians using the system wrong, one of the major findings suggests a trade-off between the superannuation rate and wages with lower-income Australians being worse off under a higher superannuation guarantee.

“The weight of evidence suggests the majority of increases in the SG come at the expense of growth in take-home wages,” the report said.

The RIR found that Australia’s retirement system was “sound, stable and effective” and that there were limited arguments for proceeding with the legislated increase to 12 per cent.

“A rate of compulsory superannuation that would result in people having an increase in their living standards in retirement may involve an unacceptable reduction in living standards prior to retirement, particularly for lower-income earners,” the review said.

“Maintaining the superannuation guarantee rate at 9.5 per cent would allow for higher living standards in working life,” Mr Frydenberg said, quoting the report.

“Working life income for most people would be around 2 per cent higher in the long run… the most effective way for people to secure themselves in retirement is not necessarily an increase in the superannuation guarantee, but by more efficiently using the savings that they do have.”

The importance of housing

The review has shown that Australian pensioners have a strong safety net in property that can be used to reduce income inequalities, albeit the complexity of the system might be holding people back.

The report suggests an efficient way for retirees to enjoy a comfortable retirement is through accessing the equity in their home as well as drawing down on their superannuation balances.

“Home owners also have the opportunity to access the equity in their home to supplement retirement income and manage longevity risk, although few currently do so,” the review said.

“If this potential were realised, housing would take on an even more important role in the retirement income system.”

Industry experts react

Industry Super Australia (ISA) has welcomed the review, stating it has confirmed Australia’s compulsory super system has lifted living standards for millions while easing the burden on the aged pension. 

“The two-thirds of Australians who support the legislated and long-promised super increase would not take too kindly to politicians, who pocket 15 per cent super on top of their generous salary, using this review to snatch away their retirement savings,” Mr Dean said.

“This report’s findings must be used to support sensible reforms that will grow members’ savings, not cherry-picked to support pre-conceived policy ideas that will leave people and the nation worse off.”

The ACTU also welcomed a lift in superannuation but attacked the Morrison government for trying to use the review to hold rates, saying Australians “will work until they drop dead” if superannuation rises are delayed.

“Once again, the Morrison government has failed to be honest with the Australian people about the future of their retirement incomes, ACTU president Michele O’Neil said.

“The retirement income review was supposed to provide certainty, instead the Australian people are left wondering whether next year’s superannuation will increase to 12 per cent, promised to them and enshrined in law will be stripped away by this government.”

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Australians could draw down more on their superannuation balances, as well as access the equity in their home upon retirement, instead of sacrificing today’s wealth through increasing the superannuation guarantee, government research has revealed.

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While there have been no announcements regarding the proposed three-yearly audit cycle since June last year, one technical expert has urged the government to confirm that the measure is firmly “off the table”.

Write comment (0 Comments) " ["fulltext"]=> string(2561) "

As part of the 2018–19 federal budget, the government announced plans to change the annual audit requirement to a three-yearly requirement where SMSFs have a good history of good record keeping and compliance.

The proposed measure was met with considerable industry backlash, with many SMSF specialists highlighting various practical issues with changing the audit cycle.

After the Treasury released a discussion paper and completed consultation on the measure back in August 2018, the government did not issue draft legislation.

In June last year, senator Jane Hume said the government was still considering the outcomes of the consultation on the measure.

Deloitte partner and national SMSF leader Liz Westover said while the measure did not appear in the budget papers this year, she would still like to see the government provide certainty that the measure it now completely ruled out.

“I’m not aware of the government actually saying that it’s off the table,” Ms Westover said speaking at the SMSF Adviser Technical Strategy Masterclass. 

“I would certainly welcome some absolute clarity on that to ensure it’s not back on the radar.”

Since the measure was first announced, the proposal to implement three-yearly audit cycles has been controversial, with a number of specialists in the industry criticising the idea.

KPMG warned that extending the audit cycle to three years may exacerbate compliance issues and the amount clients need to pay in penalties.

Others raised concerns that the proposal could also see increased activity by unscrupulous advisers and promoters targeting SMSFs with early release schemes.

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While there have been no announcements regarding the proposed three-yearly audit cycle since June last year, one technical expert has urged the government to confirm that the measure is firmly “off the table”.

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The findings of the retirement income review has given the Morrison government the information it needs to freeze the legislated SG increase.

Write comment (0 Comments) " ["fulltext"]=> string(1055) "

The review found that Australia’s retirement system was “sound, stable and effective” and that there were limited arguments for proceeding with the legislated increase to 12 per cent.

“Maintaining the superannuation guarantee rate at 9.5 per cent would allow for higher living standards in working life,” Mr Frydenberg said, quoting the report.

“Working life income for most people would be around 2 per cent higher in the long run… the most effective way for people to secure themselves in retirement is not necessarily an increase in the superannuation guarantee, but by more efficiently using the savings that they do have.”

However, Mr Frydenberg stopped short of saying the Morrison government would move to cut the legislated increase, pushing the decision back to the May budget while noting that Australia was “living in a very different economic environment than we were last year”.

More to come. 

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The findings of the retirement income review has given the Morrison government the information it needs to freeze the legislated SG increase.

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The chief executive of Cbus has said that critics should stop undermining the super system and instead take pride in what it has achieved.

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Cbus CEO Justin Arter took a swipe at the superannuation system’s homegrown critics, which have included a number of Liberal MPs and business figures, saying the “strength of the system should be a source of pride”.

“It’s surprising that a sector that’s so admired around the world isn’t seen the same way here in Australia, as evidenced by the long queue of system critics and numerous changes to the settings that undermine the purpose of super,” Mr Arter told the media.

“Yes, there are some improvements needed to address underperformance and duplication, and to shift gears from a savings system to a retirement income system. But we must safeguard against unintended consequences that impact investment approaches or undermine member outcomes and the capacity of funds to make long-term capital allocations.”

While Mr Arter said that Cbus was “strongly supportive” of the Your Future, Your Super reforms and welcomed the move to rid the sector of underperforming funds, he cautioned the government against going too far.

“We’d add our voice to the many who have raised concerns about some of the unintended consequences in the proposed policy settings, because it could make it harder for funds like us to be active and direct providers of capital into the economy,” Mr Arter said.

But senator Jane Hume recently took aim at that line of thinking, warning that funds would have to prove that investments in Australia’s economic recovery would actually benefit members.

“I am not saying that direct investments in airports, social housing or energy generation are inappropriate — far from it. We also know that there is an illiquidity premium that comes with large-scale direct infrastructure investment which can add great value to a portfolio,” Ms Hume told the Australian Shareholders’ Association.

“But to invest in these things for any reason other than the best financial interests of members – even if it’s to improve the economy or create jobs – is a breach of obligations to members who have entrusted trustees to have one overarching objective: their best financial interests.”

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The chief executive of Cbus has said that critics should stop undermining the super system and instead take pride in what it has achieved.

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["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#5234 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5027 (3) { ["data":protected]=> object(stdClass)#5030 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5029 (3) { ["data":protected]=> object(stdClass)#5032 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#5231 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5031 (3) { ["data":protected]=> object(stdClass)#5034 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5033 (3) { ["data":protected]=> object(stdClass)#5036 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#5232 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5035 (3) { ["data":protected]=> object(stdClass)#5038 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5037 (3) { ["data":protected]=> object(stdClass)#5040 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#5227 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5039 (3) { ["data":protected]=> object(stdClass)#5045 (1) { ["options"]=> object(stdClass)#5043 (2) { ["options0"]=> object(stdClass)#5042 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5044 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5041 (3) { ["data":protected]=> object(stdClass)#5047 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#5230 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5046 (3) { ["data":protected]=> object(stdClass)#5049 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5048 (3) { ["data":protected]=> object(stdClass)#5051 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#5240 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5050 (3) { ["data":protected]=> object(stdClass)#5053 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5052 (3) { ["data":protected]=> object(stdClass)#5055 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(65) "/retirement/superannuation/industry-fund-ceo-lashes-super-critics" ["image"]=> string(53) "images/article-826x550/australian-dollars-wads-ne.jpg" ["image_alt"]=> string(45) "Industry fund CEO lashes out at super critics" } }