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. 

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