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Wednesday, 20 October 2021
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The lending patterns of households and businesses, when compared against GDP and disposable income, can provide useful insights into where the economy is headed.
When your accountant, financial adviser or golfing partner recommend an SMSF, check this list to consider all that's involved, even if you think you have the time to manage it.
When a company fraud is uncovered there are many losers, and companies are not run to benefit bondholders. The main protection against such unforeseeable risks is to maintain a well-diversified portfolio.
To give superannuation the best chance of providing the desired retirement income, it makes sense to manage for the relevant risks over time and protect investments from inflation.
It's a dilemma for fund managers to make divestment decisions on behalf of investors based on philosophical grounds. Does it reflect the investors' beliefs and will it adversely impact returns?
Australia's superannuation industry is experiencing an identity crisis of sorts as the government tries to legislate a 'purpose for super', while performance is often sacrificed in the quest to minimise fees.
The RBA Governor says rising house prices are due to "the design of our taxation and social security systems". The OECD says "the prolonged boom in house prices has inflated the wealth of many pensioners without impacting their pension eligibility." What's your view?
We tend to forget that house prices often fall. Direct lending controls are more effective than rate rises because macroprudential limits affect the volume of money for housing leaving business rates untouched.
The survey drew a fantastic 2,000 responses with over 1,000 comments and polar opposite views on what is good policy. Do most people believe the home should be in the age pension asset test, and what do they say?
Any policy decision needs to recognise who is affected by a change. It pays to check the data on who pays taxes, who owns assets and who earns the income to ensure an equitable and efficient outcome.
With articles on the pensions assets test read about 40,000 times, 3,500 survey responses and thousands of comments, there was a lot of great reader participation. A few comments added extra insights.
It is hard to think of any area of widespread public concern where the same policies have been pursued for so long, in the face of such incontrovertible evidence that they have failed to achieve their objectives.