Depends where you are, and what your start point is.
I've looked at improving old houses in Australia, and you would usually be better off putting the cash in the bank. (After heat pumps, and sometimes a battery).
Cool post. I would like to learn more details!
Real question: As I understand, good insulation in your home helps two ways: Keep the heat inside in the winter, and keep the cold inside in the summer. Do I have that right? If yes, I understand there are lots of places in Australia with very light winters (or none at all), so they are mostly focused on cooling with A/C. Are you saying that installing significantly better insulation is not economically efficient for many Australia homes?
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