Retirees are getting a raw deeming deal

Deeming rates are now higher than the current cash rate, and thus no longer based on the ‘risk free’ investment rate.

Summary: The above threshold deeming rate - a key component of the income assets test - is increasingly higher than the current cash rate.

Key take-out: Divergent cash rates and deeming rates are forcing retirees to take on more risk to match deemed income. 

Key beneficiaries: Retirees. Category: Pension. 


{{ twilioFailed ? 'SMS Code Failed to Send…' : 'SMS Code Sent…' }}

Hi {{ user.FirstName }}

Looks like you've already taken a free trial

Please enter your payment details

We have sent you a code via SMS to {{user.DayPhone}}

please enter this code below to activate your membership

We cannot send you a code via SMS to {{user.DayPhone}}

If you didn't receive SMS code please

SMS code cannot be sent due to: {{ twilioStatus }}

Please select one of the options below:

Looks you are already a member. Please enter your password to proceed

Please untick this box when using a public or shared device

Verify your mobile number to unlock a FREE trial

Please sign up for full access

Updating information

Please wait ...

  • Mastercard
  • Visa

The email address you entered is registered with InvestSMART.

Please login or select "Don't know password"

Please untick this box when using a public or shared device

Register as a new member

(using a different email)

Related Articles