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25 April 2024
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The APRA Capability Review pushes a focus onto member outcomes, but how will the regulator drill down into the product level in an efficient manner? It may create dysfunctional behaviours among super funds.
Australian retirees' access to dividend imputation refunds justifies a bias towards Australian equities in retirement, and the loss of refunds will have significant portfolio and income implications.
Large superannuation funds are increasingly adopting in-house management of investments. There are many potential benefits, but the decision needs a framework and careful consideration.
Imputation is seen as a costly tax break for domestic shareholders with minimal associated benefits for the overall economy, but any changes to the system should consider some broader consequences.
Many people would place ‘capturing the illiquidity premium’ on a list of benefits from long-term investing, but achieving additional returns is not as simple as just buying and holding an illiquid asset.
Long term investing makes sense for the majority of investors who have time on their side, but it isn’t always easy. Unexpected events will test your resolve so it’s important to know how to improve your chances.
How useful are the retirement savings and spending targets put out by various groups such as ASFA? Not very, and it's reducing the ability of ordinary retirees to fully understand their retirement income options.
The US market has pummelled Australia's over the past 16 years and for good reason: it has some incredible businesses. Australia does too, but if you want to enjoy US-type returns, you need to know where to look.
As long as the banks have no desire to pay up for term deposit funding - which looks likely for a while yet - investors will continue to pay a premium for the higher yielding, but riskier hybrid instrument.
The rise of the Magnificent Seven and their large weighting in US indices has led to debate about concentration risk in markets. Whatever your view, the crowding into these stocks poses several challenges for global investors.
Money can bolster our joy in real ways. However, if we relentlessly chase wealth at the expense of other facets of well-being, history and science both teach us that it will lead to a hollowing out of life.
The copper market is barrelling towards a significant deficit and price surge over the next few decades that investors should not discount when looking at the potential for artificial intelligence and renewable energy.
Global REITs have been out of favour for some time. While office remains a concern, the rest of the sector is in good shape and offers compelling value, with many REITs trading below underlying asset replacement costs.