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Graham Hand

A fine effort in a game of fine margins, but where to now?

At the 2022 FIFA World Cup, Australia performed well above the expectations of everyone except the coach, Graham Arnold, who convinced the players to believe. But the local A-League has been here before. Can it kick on? 

Six guidelines on how to allocate SMSF cash

Major bank transaction accounts are paying poor rates on cash at exactly the time when many SMSF trustees are holding more cash than usual due to tough bond and equity markets. Here are some rules and opportunities.

10 lessons Cressida Campbell taught me about art

Cressida Campbell's blockbuster exhibition is now on at the National Gallery of Australia, and her woodblocks can sell for over $500,000. What has 25 years of watching and collecting her taught me?

Will tokens fix Optus hacks and investment paperwork?

Despite advances in investing technology, the most fundamental step - the application process - often frustrates investors. Will 'tokenisation' be the solution to identify fraud, and what's the impact of Optus?

Homeowner retirees should not ‘run out of money’

A retired couple with up to $419,000 in assets plus a family home can receive a full age pension of $40,000 a year (worth maybe $1 million) plus many other benefits. With home equity access, money should not run out.  

7 questions, 70 opinions on major policies facing Australia

From thousands of comments received about future policies for Australia, we have selected 70 highlights showing a diversity of views, illustrating the challenges as Treasurer Chalmers heads to his first Budget.

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SMSF strategies

Meg on SMSFs: What do we think about reversionary pensions these days?

Reversionary pensions have long been a staple of SMSF estate planning, but are they still the best option? Meg Heffron revisits a once-clear favourite and asks whether changing super rules have shifted the balance.

The ageing ‘crisis’ has not and will not happen

Rising age dependency is frequently treated as a warning sign for economies. But when actual workforce participation is examined, a strikingly different picture emerges about ageing, productivity and economic sustainability.

Retirement

How does the 4% rule stack up?

The 4% rule has long been retirement's gold standard. But after a difficult period for investors, fresh analysis suggests a more conservative approach may significantly improve the chances of making savings last.

Shares

Four charts that expose market concentration risk

Investors have recently been rewarded for backing market leaders, but history suggests this eventually comes at a cost. Now may be the time to review whether your portfolio is carrying unintended risks beneath the surface.

Investment strategies

The case for gearing beyond property

Most Australians gear into property but ignore shares. That may be a mistake. Used carefully, geared equity strategies can enhance long-term returns, reduce cash tied up in growth assets and support retirement income goals.

Economy

Australia's $1 trillion debt pile

The headlines exclaiming that Australian government debt has hit A$1 trillion and US government debt has hit $40 trillion has turned heads, but how serious are they really? Will Australia's mix of debt create challenges?

Economy

Has 100 years of growth made us any happier?

For decades, GDP has been the benchmark for economic success, but has it made us materially happier? If happiness does not rise in lockstep with prosperity, are we overlooking what constitutes a successful society?

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