Hi Tarvoid,
What is it about where it is set now , that you find attractive?
Does that mean where it was 4 years ago was bad ?
Should it be indexed?
On the family home , at what level should that be counted?
Should the area the home is in make a difference, ie Sydney vs Perth?
ie no pensioner gets to live within 10km of central Sydney, even if they have lived in the same house for the past 50 years?
On Super , is it good that someone with 1.6mill in pension phase in super taking out 100k per year pays no tax on that , despite a large part of that 1.6million being there because of a government subsidy ?
If super forms a large part of you looking after yourself , unless you benefited from a bequest ,then the government contributed big time to your ''independence''.
And in addition you can have another 400k in a term deposit , and also not pay tax on that?
The problem with your attitude on the aged pension , it introduces a whole range of complexities and anomalies which can be mostly solved by a proper, integrated , retirement system.
It is also not viable in the long term.
For peanuts , the aged pension is political currency that solves most of those problems.
I might add , lots of countries where the aged pension is not means tested.
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