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Sunday, 17 October 2021
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Regardless of age, there's always something that can improve your preparation for retirement, especially given doubts about the sustainability of Australia’s tax and welfare systems.
Government plans to amend FoFA are in tatters, due mainly to ill-informed comments about the nature of financial advice. 'Best interests duty' goes way beyond 'duty of care' used in other professions.
If you get onto the compounding bandwagon from a young age, the balance of your superannuation, as well as other savings, come retirement will astound you. It's a shame more people aren't maximising the opportunity.
When writing your will, take care to understand the tax consequences of the benefits paid to your beneficiaries, especially when a life policy is involved. Your estate could be left with a hefty tax bill.
If you’re 40 or under you won’t have access to the age pension, and perhaps even your super, until you are 70. Unless you’re prepared to work until then, you'll need enough money outside super to live on.
One of the greatest books on accumulating wealth ever written uses the basic premise that part of all you earn is yours to keep. Australia's compulsory superannuation system is helping you.
Rather than compare results against APRA's benchmark, large super funds which failed the YFYS performance test are using another measure such as a CPI+ target, with more favourable results to show their members.
RBA Governor, Philip Lowe, says that surging house prices are not as important as full employment, but a previous Governor, Glenn Stevens, had other priorities, putting the "elevated level of house prices" first.
Two prominent fund managers with strongly opposing views and techniques. Cathie Wood thinks Tesla is going to US$3,000, Rob Arnott says it's already a bubble at US$750. They debate valuing growth and disruption.
Four key materials are required for battery production as we head towards 30X the number of electric cars. It opens exciting opportunities for Australian companies as the country aims to become a regional hub.
Estimating the value of a company based on a multiple of earnings is a common investment analysis technique, but it is often useless. Multiples do a poor job of valuing the best growth businesses, like Microsoft.
The ability to adapt to change makes a company more likely to sustain today’s profitability. There are five value chains plus a focus on cashflow and asset growth that the 'transition winners' are adopting.
At the start of COVID, the Government allowed early access to super, but in a strange twist, others were permitted to leave money in tax-advantaged super for another year. It helped the wealthy and should not be repeated.