Previous Reports

• Wherever I lay my debt, that's my home - March 2008

The 19th AMP.NATSEM Income and Wealth Report looks at housing affordability in Australia, the number of home owners and renters experiencing housing stress and at how each generation is faring.

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• Generation whY - August 2007

A lot has been said about Gen Y – the term typically used for those born between 1976 and 1991. They have been described as frivolous, called the ‘me generation’, labelled as spoilt and over protected – as an ambitious generation, constantly in search of instant gratification, but not expecting to work hard for it.

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• Baby boomers - doing it for themselves - March 2007

History, some might say, has been kind to the baby boomers. They have enjoyed affordable housing, access to free education, often generous welfare benefits and frequently favourable employment markets.

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• Tomorrow's consumers - December 2006

In this 15th AMP.NATSEM Report, we make an attempt to look forward at what will continue to be top of mind for most consumers – spending money.

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• Trends in effective marginal tax rates - September 2006

Governments face a delicate balancing act in setting means-tested taxation programs. They must balance offering financial help to the people who need it most against the need to ensure that this financial help does not discourage these people from working, or penalise them for doing so.

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• The cost of caring in Australia - May 2006

For many people, there are probably periods during their lives when they feel relatively unburdened and are able to concentrate on building their careers, having fun and accumulating assets. Such periods may include the earlier years in the life course, before children and all their associated financial responsibilities arrive, and also the “empty nester” period, when adult children have finally left home, health is often still good and there is more cash around to spend on life’s little luxuries.

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• May the labour force be with you - November 2005

Over the last couple of decades the Australian labour force has grown significantly, with 3.2 million more people in the labour force today than in 1985. This increase has outstripped the working-age population growth and thus produced a larger share of people participating in the labour force. Within this overall growth, the proportion of women in the paid labour force has increased dramatically.

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• There's no business like small business - July 2005

Of all the private sector businesses in Australia, 96 per cent are small businesses with fewer than 20 employees and around two in every five private sector workers are employed in a small business. Small business is the engine room of a well-tuned economy.

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• Love can hurt, divorce will cost - April 2005

Divorce has a major impact on the lives of everyone involved – the husband, the wife and any children. This impact can have serious emotional and psychological consequences, especially on children. In this issue of the AMP.NATSEM Income and Wealth Report, we examine how couples are financially impacted by divorce.

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• Household debt in Australia - Walking the tightrope - November 2004

During the past 20 years we have been getting ourselves into more and more debt. Aided by spiralling property prices, the proliferation of credit cards with frequent flyer points and rewards programs and our appetite for DIY renovations, home theatre systems and new cars, in 2002 our combined debt was an estimated $431 billion.

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• Trends in spatial income inequality, 1996 to 2001 - September 2004

Many of us empathise with the line in Midnight Oil's song, Read about it, where, 'The rich get richer, the poor get the picture'. Surveys reveal that Australian's believe the gap between rich and poor is growing. But is this just a perception or is it based on fact?

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• Lump Sum: here today gone tomorrow - March 2004

"A quarter of the 15 million adult Australians are aged between 50 and 69. Most people think they are living the good life - married, homeowners, full-time employees earning good incomes, with kids out of the home. They can choose what they’d like to do when they retire. But is this the true picture? The report shows the answer to be a resounding no!"

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• Generation Xcluded - November 2003

"The changing economic environment has created a divide between the post-1946 baby boomers and Generation X born between 1961 and 1976. The boomers enjoyed cheap housing, free education, generous welfare and plenty of jobs. Gen Xers have battled huge increases in the cost of housing and tertiary education, plus job insecurity and reduced welfare benefits."

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• You can't rely on the old folks' money - June 2003

"The fifth AMP.NATSEM report, Wealth and Inheritance examines the factors influencing the distribution of wealth between generations. It shows that, while the parents of baby boomers have increasing wealth, it does not necessarily follow that this wealth will fall into the boomers' laps..."

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• Does your wealth depend on good health? - March 2003

"There's a well known saying that the only things we can be certain of are death and taxes. For around half of all Australians aged over 30, they can also be sure to suffer from at least one of the seven Priority conditions that can lead to long-term disability and, consequently, a long-term loss of income..."

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• All they need is love... and about $450,000 - the cost of children in Australia today - October 2002

"The idea that buying a house is the biggest investment most people are likely to make does not take into account the investment Australian parents make in raising their children..."

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• Live long and prosper? the income and wealth of those about to retire - June 2002

"Welcome to the AMP.NATSEM Income and Wealth Report on the income and wealth of people aged between 50 and 64 - who are not either retired, preparing for retirement or living in denial..."

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• Trends in taxable income - February 2002

"Over the five years to 1999, the average taxable income of Australian taxpayers has risen by almost 20 per cent, with taxpayers in the ACT (26.3 per cent), NSW (20.4 per cent) and Victoria (18.5 per cent) showing the highest increases across the nation..."

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The advice is not based on your personal objectives, financial situation or needs. Accordingly you should consider how appropriate the advice is to those objectives, financial situation and needs before acting on the advice and, before buying any financial product, you should read the current customer brochure or product disclosure statement.

We are part of the AMP Group of companies. However no remuneration or financial benefits are paid to us or our related companies or associates in relation to the advice provided on this page.