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Thursday, 9 December 2021
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It’s surprising there has not been more outcry about the age pension taper test in a low rate environment, where a ‘black hole’ creates a perverse impact of less retirement income the more a retiree has saved.
Continuing from last week's article on superannuation myths, here's another five myths relating SMSFs. Separating fact from fiction is a good first step towards effective discussion and informed policy.
We hear about what's wrong with our superannuation and retirement income systems and over time, exaggeration has crept in. We need to dispel myths and have a clear fact base as the foundation for discussion and policy.
Retirees should consider the best mix of capital preservation, income variability and income requirements, and then be shown how these can be traded against each other with varying degrees of probability.
Accountancy practices have been a poor second cousin to financial planning businesses in terms of sale price and merger and acquisition activity. Here’s why that might change soon.
Significant market-shaping forces are in play which will disrupt many wealth management business models, but with change comes opportunity.
I prefer not to make market forecasts but I need to take personal investment decisions. I'm expecting a stockmarket fall in 2022 as central banks tighten policies but the mainstays in my portfolio will not be sold.
A lower starting withdrawal rate doesn’t always mean living on less. The latest research on sustainable withdrawals offers flexibility for retirees to improve the chances of not running out of funds prematurely.
Small caps might require more work than large cap stocks but they are often worth it. After all, all large companies were small once, and there can be clear benefits of investing in and backing management early.
The biotech industry has seen an explosion of new techniques which will lead to innovative areas of growth in the use of cells and genes as medicine. Money for funding life sciences and biotech pharma has soared.
Multiple factors have seen gold fall in 2021, despite the rise in inflation. But given gold has performed strongly across longer periods of higher inflation, gold may benefit under the current inflation outlook.
Retirement solutions uniting the three pillars of retirement funding - the age pension, mandatory super and voluntary savings - are essential. Global experts discuss solutions that might work for Australia.
With stronger capital positions, improved brand equity and the potential to benefit from a robust post-pandemic recovery, the global banking sector is presenting significant opportunities for investors.