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Home / Author: Kaye Fallick

Kaye Fallick

Time to smash the retirement nest egg - but how?

For decades, governments told people to save for retirement, then hold onto their nest eggs. Now, they're concerned that retirees aren't spending enough. How can we encourage reasonable spending patterns in retirement?

Super wars: who needs to do what for retirees?

Retirement is the new black and super funds are seemingly expected to do all things for all retirees. Do we need to better apportion the different responsibilities to create a world class retirement income system?  

Super concessions to overtake Age Pension costs

Super concessions are forecast to overtake the cost of the Age Pension in the 2040s. They're creating a skewed system of reward for higher super balances in retirement and will widen the gap between rich and poor.

Fixing advice needs for retirees frozen in the headlights

The number of financial planners is shrinking, the price is increasing, and trust is still low. With increasing numbers of Baby Boomers heading into retirement, the need for advice has arguably never been greater.

What I know now about retirement income

When it comes to retirement planning, a good financial adviser can be a helpful partner but not until you know your own situation inside out. Here are five tips to help you better manage your retirement savings.

Yes, ‘millionaires’ can qualify for the age pension

Recent media articles mocked a couple with $1 million in assets who asked whether they would qualify for the Age Pension. The ridicule hid an important debate about whether the Age Pension system is still fit for purpose.

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Investment strategies

9 winning investment strategies

There are many ways to invest in stocks, but some strategies are more effective than others. Here are nine tried and tested investment approaches - choosing one of these can improve your chances of reaching your financial goals.

Planning

Super, death and taxes – time to rethink your estate plans?

The $3 million super tax has many rethinking their super strategies, especially issues of wealth transfer on death. This reviews the taxes on super benefits and offers investment alternatives.

Taxation

Raising the GST to 15%

Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.

Shares

The megatrend you simply cannot ignore

Markets are reassessing the impact of AI, with initial euphoria giving way to growing scepticism. This shift is evident in the performance of ASX-listed AI beneficiaries, creating potential opportunities.

Gold

Is this the real reason for gold's surge past $3,000?

Concerns over the US fiscal position seem to have overtaken geopolitics and interest rates as the biggest tailwind for gold prices. Even if a debt crisis doesn't seem likely, there could be more support on the way.

Exchange traded products

Is now the time to invest in small caps?

With further RBA rate cuts forecast this year, small caps may be key beneficiaries. There are quality small cap LICs and LITs trading at discounts to net assets, offering opportunities for astute investors.

Strategy

Welcome to the grey war

Forget speculation about a future US-China conflict - it's already happening. Through cyberwarfare and propaganda, China is waging a grey war designed to weaken democracies without firing a single shot.

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