Financial Inclusion

Collection of financial inclusion related content.


Financial Inclusion

Discussion paper

30 Apr 2017

This paper provides an analysis of how the New Zealand tax system may be affecting residential property markets. Like most OECD countries, New Zealand does not tax the imputed rent or capital gains from owner-occupied housing. Unlike most OECD countries, since 1989 New Zealand has taxed income...

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Research report

26 Oct 2015

Home ownership is valued not just for the housing it provides but also as a means to accumulate wealth over the life-cycle. However, there is evidence that younger generations are making later transitions into home ownership and increased numbers not entering at all—this is not just among low-...

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Discussion paper

21 Oct 2015

Dividend imputation was introduced in Australia in 1987. Despite many theoretical and empirical studies, there is little consensus on its effects on the cost of equity capital, share prices, or investment – due primarily to different views on the consequences of international integration on...

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Discussion paper

21 Oct 2015

Financial systems, their institutions, markets and regulatory bodies, are constantly evolving in response to the changing dynamics of technology, politics, demographics and cultural norms. These pressures are evident in Australia today where Australia’s ageing population provides a challenge to...

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Discussion paper

15 Oct 2015

In Canberra, one of the greatest drivers of inequality is housing affordability. Issues include the lack of community housing options and the rental stress experienced by low-income earners in private rentals. 

The purpose of this Green Paper is not to present a definitive list of...

Book review

09 Oct 2015

There are many intermediate steps in the move from a snapshot comparison of the distribution of taxation and benefits in Australia and the United Kingdom to a life course perspective. Taking time into account over the short and medium terms shows us the impact of risks that individuals...

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Working paper

07 Oct 2015

This paper sheds light on how Australia's tax and transfer system functions to distribute income across the population and over lifetimes. It:

  • provides a descriptive analysis of the flow of major taxes (personal income tax and GST) and transfers between families under existing policy
  • ...
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Audio program

27 Sep 2015

Thousands of single parent families have been pushed into poverty after having their payments reduced under the welfare-to-work policies of successive governments. After 10 years the workforce participation rate for sole parents has barely improved and a former senior minister admits the policy...

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Research report

15 Sep 2015

Executive Summary

This research for Anglicare Australia focusses on the changes in living standards for a broad range of family types in Australia between 2004 and 2014. The report also projects where these living standards will be by 2024 taking into account the current...

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Research report

03 Sep 2015

As 5.5 million baby-boomers approach retirement focus is shifting to how superannuation savings are transformed into retirement income. Recognising that many retirees do not have an adequate level of financial literacy to make optimal decisions about how to do this, the Financial System Inquiry...

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Submission

04 Aug 2015

Summary

A secure retirement rests on three foundations: adequate income, affordable housing, and decent affordable health and aged care. Income alone is not enough. There is a serious imbalance in the Federal Government’s support for retirement, with an estimated $30 billion ‘spent’ each...

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Audio interview

30 Jul 2015

A review of Australia's welfare system by Patrick McClure proposed that we adopt the 'investment approach' to welfare that's used in New Zealand.

The policy has been championed by Australia's Minister for Social Services, Scott Morrison, as a way of both improving outcomes and saving...

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Commentary

Article

13 Jul 2015

Why are we angered by stories of Greek hairdressers retiring at fifty on public pensions yet unmoved at the thought of bailed-out German bankers being chauffeured around town?

In October 2000, a few weeks before the US presidential election, I heard Ralph Nader speak at...

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Research report

07 Jul 2015

This report is a detailed analysis of two aspects of superannuation policy affecting the post-retirement phase:

  • What might happen if the age that individuals can access their superannuation (the 'preservation age') were raised?
  • Is the way people draw down their
  • ...
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Commentary

Article

05 Jul 2015

In light of the 2015 Budget, Richard Denniss dissects the Coalition's economic management.

"A year ago, the Coalition government said we were “living beyond our means” and faced a “budget emergency” that, if not addressed, would lead us “into the eye of an economic storm”. Sound scary?...

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Technical report

24 Jun 2015

If you're a parent of a public school student who's paying for all the extras like excursions, laptops or more books for the library you might question the idea that public schools are free. But the idea of school fees for public education has proven to be politically unviable.

A leaked...

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Research report

01 Jun 2015

This report attempts to break the current political impasse by provide a range of politically pragmatic proposals that would reform negative gearing without abolishing it outright. In each of these scenarios, existing investors are quarantined, with negative gearing only partially restricted. In...

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Research report

27 May 2015

The results from the study reveal a bleak picture of entrenched and persistent poverty and disadvantage for a significant proportion of people who access Salvation Army ER and support services.

Executive Summary

This Economic and Social Impact Survey (ESIS) 2015...

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Research report

23 May 2015

Summary: The impacts of this Budget must be assessed in light of the previous Budget, which casts a long shadow.

While the 2015-16 Budget delivered welcome new investment in early childhood education and care and charted a fairer path on pension reform, the combined effect of the two...

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Research report

30 Apr 2015

This report surveys private rental housing available across Australia; and tests its suitability – the cost and size – for different low income household types: couples, single parents and children, young people, pensioners, job seekers and people on the minimum wage.

This time members of...

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