Register For Our Mailing List

Register to receive our free weekly newsletter including editorials.

Home / 3

Edition 3

  •   22 February 2013
  •      
  •   

Welcome from Chris Cuffe

Two weeks after the publication of the first Cuffelinks newsletter, we have about 1,700 subscribers and over 25,000 page views on our website. Thanks for your interest and for passing it around to your friends and colleagues.

We mark this edition by calling out two big SMSF milestones: $500 billion in total assets and 500,000 SMSFs in operation, based on the ATO’s estimate of December 2012 and the strong markets of 2013. It’s ironic that Graham Hand writes about a service which may be preferable for many SMSF trustees, the lesser-known ‘super wraps’.

We’ve been asked whether articles from Cuffelinks can be republished without requesting our permission. We want to share ideas, opinions and comments with as wide an audience as possible, and as long as Cuffelinks (name and website address) and the author are acknowledged as the source, you are free to put our material on your website or wherever, and forward articles to other people.

It was pleasing this week to read useful feedback on my article about what financial planning is worth paying for, with some of the comments attached to last week’s article. Informative alternative approaches to strategic advice.

Elsewhere in this edition, we have the third and final article by Paul Keating, this one on the need to defend dividend imputation; Andrew Bloore of SuperIQ gives his views on the value of super; David Bell provides a timely critique of APRA’s Standard Risk Measure; Rick Cosier writes a primer on insurance, as valuable in a financial plan as investing; and Aaron Minney explains why you need to know the difference between arithmetic and geometric returns. Chris

Top articles from Cuffelinks, 22 February 2013, Edition 3

  • Dividend imputation and super are worth fighting for P J Keating
  • Is APRA’s Standard Risk Measure helpful? David Bell
  • Do we really need superannuation? Andrew Bloore
  • Self managed super’s best kept secret Graham Hand
  • The insurance essentials Rick Cosier
  • Understanding arithmetic and geometric returns Aaron Minney

View email | Download PDF

 

  •   22 February 2013
  •      
  •   

 

Leave a Comment:

banner

Most viewed in recent weeks

Warren Buffett's final lesson

I’ve long seen Buffett as a flawed genius: a great investor though a man with shortcomings. With his final letter to Berkshire shareholders, I reflect on how my views of Buffett have changed and the legacy he leaves.

13 ways to save money on your tax - legally

Thoughtful tax planning is a cornerstone of successful investing. This highlights 13 legal ways that you can reduce tax, preserve capital, and enhance long-term wealth across super, property, and shares.

The housing market is heading into choppy waters

With rates on hold and housing demand strong, lenders are pushing boundaries. As risky products return, borrowers should be cautious and not let clever marketing cloud their judgment.

Why it’s time to ditch the retirement journey

Retirement isn’t a clean financial arc. Income shocks, health costs and family pressures hit at random, exposing the limits of age-based planning and the myth of a predictable “retirement journey".

Australia's retirement system works brilliantly for some - but not all

The superannuation system has succeeded brilliantly at what it was designed to do: accumulate wealth during working lives. The next challenge is meeting members’ diverse needs in retirement. 

Taking from the young, giving to the old

Despite soaring retiree wealth, public spending on older Australians continues to rise. The result: retirees now out-earn the young, exposing structural flaws in the tax system and challenges for fiscal sustainability.

Latest Updates

Investment strategies

Howard Marks: AI is "terrifying" for jobs, and maybe markets too

The renowned investor says there’s no shortage of speculative investors chasing AI riches and there could be a lot of money lost in the process. His biggest warning goes to workers and the jobs which will be replaced by AI.

Property

The 3 biggest residential property myths

I am a professional real estate investor who hears a lot of opinions rather than facts from so-called experts on the topic of property. Here are the largest myths when it comes to Australia’s biggest asset class.

Retirement

Australia's retirement system works brilliantly for some - but not all

The superannuation system has succeeded brilliantly at what it was designed to do: accumulate wealth during working lives. The next challenge is meeting members’ diverse needs in retirement. 

Retirement

Retirement affordability myths

Inflated retirement targets have driven people away from planning. This explores the gap between industry ideals and real savings, and why honest, achievable benchmarks matter. 

Retirement

Can you manage sequencing risk in retirement?

Sequencing risk can derail retirement, but you’re not powerless. Flexible withdrawals, investment choices and bucketing strategies can help retirees navigate unlucky markets and balance trade-offs.    

Retirement

Don’t rush to sell your home to fund aged care

Aged care rules have shifted. Selling the family home may no longer be the smartest option. This explains the capped means test, pension exemptions and new RAD exit fees reshaping the decision.

Shares

US market boom-bust cycles - where are we now?

This gives comprehensive data on more than 100 years of boom and bust cycles on the US stock market - how the market performed during these cycles, where the current AI uptick sits, and what the future may hold.

Property

A retail property niche offers a lot more upside

Retail real estate is outperforming as a cyclical upswing, robust demand and constrained supply drive renewed investor interest. This looks at the outlook and the continued rise of convenience assets. 

Sponsors

Alliances

© 2025 Morningstar, Inc. All rights reserved.

Disclaimer
The data, research and opinions provided here are for information purposes; are not an offer to buy or sell a security; and are not warranted to be correct, complete or accurate. Morningstar, its affiliates, and third-party content providers are not responsible for any investment decisions, damages or losses resulting from, or related to, the data and analyses or their use. To the extent any content is general advice, it has been prepared for clients of Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892), without reference to your financial objectives, situation or needs. For more information refer to our Financial Services Guide. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Articles are current as at date of publication.
This website contains information and opinions provided by third parties. Inclusion of this information does not necessarily represent Morningstar’s positions, strategies or opinions and should not be considered an endorsement by Morningstar.