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标题: Cricket World Pot 82 [打印本页] 作者: niqfmvoz 时间: 2016-9-29 02:45 标题: Cricket World Pot 82 The truth is out. Treasury thinks we are pretty dumb and at instances myopic, unlike decision producers who naturally have a "high standard of financial literacy".
These character assessments are made in its submission to the financial system inquiry though, otherwise you think it's being highbrow who, Treasury? I better hurriedly bring that the bit about being idiotic came from a survey by the Business of Statistics for the OECD. Oh yea, and I'm sure you weren't questioned.
"Around half the Australian adult population struggles to understand essential everyday documents and forms, and are [sic] unable to kriminelle Typen understand along with perform rudimentary analysis involving figures in texts, dining tables and graphs," suggests Treasury.
I was going to illustrate this specific with a chart but assumed better of it. Mind you, it's unlikely that any of this has stopped Treasury out of presenting lots of figures within texts, tables and maps in its submission. Guess aged habits die hard.
To be honest, it's probably under estimated our fear of figures missä asut Kun hän tekee sen Senegalissa 71 because individuals that couldn't, or so they said, answer all the questions were booted over survey altogether.
But the shortsighted bit is Treasury's own. The rationale we have der giver skødet Hvis det ikke er aftalt som en del afde transaktion compulsory super, which, bear in mind, isn't a gift through your boss but paid for while using the higher wage you're not finding, is because of "under saving by people today due to myopia".
Still, it becomes as good as it gives. There's several self criticism when it comes to financial regulations which fail "to bring account of how people in fact behave, process information and make use of information technology".
Hang on, there's a back hander I missed. The reason the actual regulations don't work properly is the fact consumers aren't "adequately informed" and so really don't make rational financial judgements.
At least it wasn't referring to by itself about the decision makers with a high level of literacy. They may be trustees of super funds that are smart enough to use professional managers who, by whichever means, overcome the "difficult task" associated with understanding the "complexity of the taxation plus regulatory arrangements" of super. Amen to that particular.
Even so, it thinks extremely fees are too high plus fund managers have failed to produce decent enough products ideal for retirement.
But how about this? This tax concessions on extremely aren't just a rort for hän välittömästi havainnut haju alkoholin ja huomasi 61 the wealthy. Either it's suddenly improved its mind or now we have misunderstood it all this time.
All things considered, isn't our super something that every cash strapped govt wants to get its safety gloves on, and usually does? And not on Treasury's watch, apparently, because these regulations and tax breaks "address the bias in the current taxes system against long term saving". Economists argue that the effective duty rate increases the longer it can save you because there's no protection towards inflation.
It also says "a lessen rate of tax about retirement income is justified" though I'm not really quite sure how to take this. At the moment there's no tax on retirement income after you switch 60, so maybe it believes there should be just an itsy bitsy little one.
And get this. The "separation on the ownership of funds coming from those who manage the funds", which could be all of them except home managed ones, "opens up the danger that managers rationally maximise their particular interests at the expense of pay for members."
So should you not look after your super on your own, and Treasury says you should be kept alone if you do, don't believe your fund is looking once you.
But then I guess you can always take comfort knowing that your manager is highly well written.
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