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Jonathan Hoyle

SMSFs: 8 reasons they are over-spruiked and over-rated

When your accountant, financial adviser or golfing partner recommend an SMSF, check this list to consider all that's involved, even if you think you have the time to manage it.

Greece: Scylla and Charybdis

Modern Greece faces an ancient dilemma: should it sail within reach of Scylla, the sea monster that lives in Brussels, to avoid Charybdis, the ‘sucking whirlpool’ that is the return of the drachma?

Weddings and the power of compounding

Have you ever wondered what your financial situation would be if you'd had a more modest wedding all those years ago? A simple calculator tool is available to find out - but it might not be easy news to take.

Survey of attitudes to taxing pension earnings

A survey of high net worth people - those who would be adversely affected by a tax on super earnings in pension phase - showed many were willing to accept such a policy, but not without a healthy level of qualification.

Australia’s residential property boom

By many measures, Australian housing is overpriced, largely due to the restricted availability of land and low interest rates. What can the Government and the Reserve Bank do to prevent a bubble from forming?

In defence of asset-linked fees

The Future of Financial Advice reforms have substantially addressed poor practices in the industry, and there's strong justification for different ways to charge fees for financial advice.

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Four best-ever charts for every adviser and investor

In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.

Our experts on Jim Chalmers' super tax backdown

Labor has caved to pressure on key parts of the Division 296 tax, though also added some important nuances. Here are six experts’ views on the changes and what they mean for you.        

Superannuation

When you can withdraw your super

You can’t freely withdraw your super before 65. You need to meet certain legal conditions tied to your age, whether you’ve retired, or if you're using a transition to retirement option. 

Retirement

A national guide to concession entitlements

Navigating retirement concessions is unnecessarily complex. This outlines a new project to help older Australians find what they’re entitled to - quickly, clearly, and with less stress. 

Property

The psychology of REIT investing

Market shocks and rallies test every investor’s resolve. This explores practical strategies to stay grounded - resisting panic in downturns and FOMO in booms - while focusing on long-term returns. 

Fixed interest

Bonds are copping a bad rap

Bonds have had a tough few years and many investors are turning to other assets to diversify their portfolios. However, bonds can still play a valuable role as a source of income and risk mitigation.

Strategy

Is it time to fire the consultants?

The NSW government is cutting the use of consultants. Universities have also been criticized for relying on consultants as cover for restructuring plans. But are consultants really the problem they're made out to be?

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