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Edition: 107

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Edition 107

  • 1 May 2015

Tax aware investment management, how the banking industry is being disrupted, good reasons to insure your children, managing internal fraud risk, the search for 'safe' yield in defensive stocks driving prices and Labor's proposal to tax pension earnings.

Value of tax-aware investment management

The investment performance of super funds and other investment managers has historically been measured against pre-tax indices. Once tax is taken into account, the return on investments is quite different.

Disruptive technology in banking

A seismic shift is happening right under the banks’ noses. Tech companies with leading brands, customer loyalty and sizeable balance sheets are adding banking products and financial services to their broad array of offerings.

Ensure your children are insured

Serious illness is something we think will happen to somebody else and insurance, like making a will, is easy to put off. It’s only when the problems start that we realise it’s too late to do anything about it.

The ‘low versus no’ risk appetite for internal fraud

The risk of internal fraud is a commercial reality of doing business, but how does a financial institution manage the optics of a low risk appetite and still communicate the message to employees that it is not ‘open slather’?

Low rates and the equity risk premium

With investors gravitating towards ‘safer’ equities for yield, the equity risk premium is playing an important role in the variance of earnings multiples between defensive and cyclical sectors of the Australian equity market.

Labor is proposing a complex ‘new tax’

A response to Labor’s proposal to tax superannuation earnings of more than $75,000 during retirement phase from a former Assistant Deputy Commissioner for the ATO who has seen it all before.

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Which generation had it toughest?

Each generation believes its economic challenges were uniquely tough - but what does the data say? A closer look reveals a more nuanced, complex story behind the generational hardship debate. 

Maybe it’s time to consider taxing the family home

Australia could unlock smarter investment and greater equity by reforming housing tax concessions. Rethinking exemptions on the family home could benefit most Australians, especially renters and owners of modest homes.

The best way to get rich and retire early

This goes through the different options including shares, property and business ownership and declares a winner, as well as outlining the mindset needed to earn enough to never have to work again.

A perfect storm for housing affordability in Australia

Everyone has a theory as to why housing in Australia is so expensive. There are a lot of different factors at play, from skewed migration patterns to banking trends and housing's status as a national obsession.

Supercharging the ‘4% rule’ to ensure a richer retirement

The creator of the 4% rule for retirement withdrawals, Bill Bengen, has written a new book outlining fresh strategies to outlive your money, including holding fewer stocks in early retirement before increasing allocations.

Simple maths says the AI investment boom ends badly

This AI cycle feels less like a revolution and more like a rerun. Just like fibre in 2000, shale in 2014, and cannabis in 2019, the technology or product is real but the capital cycle will be brutal. Investors beware.

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