澳大利亚的超级基金住房计划被批评为无效;股权释放可以释放退休人员财富的1.3T。 Australia's super fund housing plan criticized as ineffective; equity release could unlock $1.3T in retiree wealth.

澳大利亚的住房危机持续存在,联邦努力将超级资金用于经济适用住房,被批评为象征性的和无效的。 Australia’s housing crisis persists, with federal efforts to use super funds for affordable housing criticized as symbolic and ineffective. 批评者认为,这种办法滥用退休储蓄,缺乏规模,而以年金为基础的逆向抵押贷款和股权释放计划等替代办法正在获得牵引力。 Critics argue the approach misuses retirement savings and lacks scale, while alternatives like annuity-based reverse mortgages and equity release schemes are gaining traction. 这些工具可以释放13万亿美元退休人员家庭股本,每年将养恤金领取者收入增加140亿美元,并节省纳税人145亿美元,由于财产价值不断上升,风险往往被高估。 These tools could unlock $1.3 trillion in retiree home equity, boost pensioner incomes by $14 billion annually, and save taxpayers $14.5 billion, with risks often overstated due to rising property values. 作为长期投资者,超级基金可能比银行更适合管理这类产品,提供财务保障和社会福利,同时又不使购房者流离失所。 Super funds, as long-term investors, may be better suited than banks to manage such products, offering financial security and social benefits without displacing homebuyers.