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Sunday, 17 November 2019
Recently trending How much super is enough?How to include homes in the age pension assets testOK Boomer: fessing up that we’ve had it goodFour reasons to engage a financial adviserShould you buy CBA PERLS XII Capital Notes?
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The pre-Boomer generations faced global wars and depressions, but Australians born after 1946 have enjoyed prosperity. Superannuation, education, strong markets and surging property prices locked in gains.
Young woment are showing increasing confidence in the sharemarket, promising a better future than the Boomers and Gen X women who hold significantly less assets than males of their generation.
Fossil fuel divestment can impact a company’s prospects, and push capital into renewables. Refusing to invest in companies that cause climate change denies their social licence to operate.
A fund manager that can short sell stocks with weak investment characteristics while reinvesting the proceeds in long positions in preferred stocks has a high degree of flexibility.
Many investors are tempted by high yields on shares, but when they are not sustainable, and in weak businesses, the outcome is disappointing compared with better quality and lower yields.
Over 50s make up 27% of Australia’s population and hold 50% of private wealth. Yet only 2% of marketing briefs focus on targeting this audience, which is active, ambitious, purposeful and diverse.
Two-thirds of the responses to our reader poll say the family home should be included in some way in the age pension assets test, but the comments show it is an emotional and divisive subject.
Although equities are widely-held by Australian investors, there is a strong domestic bias that gives many portfolios high sector concentrations. Better diversification requires a global focus.
We cannot see into the future, but here are some general guidelines on how much to save in super, and then how much you can spend to enjoy a good retirement. Start as soon as possible.
A reader speaks out about the inequity of ignoring own homes in the assets test for the age pension, plus a proposal on how it could work politically. Take our survey on the merit of the policy.
The Review can stress the value of risk adjusted returns to assist retirees in understanding retirement income products, and clarify definitions of growth and defensive strategies.
CBA's latest PERLS offer is directly offered to hundreds of thousands of investors who already hold CBA shares or other PERLS securities. How does it compare with the rest of the hybrid market?
The value of financial advice is increasingly questioned after the Royal Commission and changes to advice business models, but the case for financial advice for many people remains strong.
Specially-selected collections of the best articles
Accredited CPD hours reading Firstlinks
Firstlinks articles are collected in Pandora, Australia's national archive.