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30 June 2025
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The flaw in global indexes, uneven playing field payroll tax, identifying good risk culture, the implications of second mortgages, how anchoring messes with investing and a summary of our latest Reader Survey.
Some global index calculations understate the performance of the portfolio, making it easier for fund managers to outperform. Investors should know this and manage the consequences.
The current review of Australia’s tax system should also address the inequity of payroll tax, which for some businesses, discourages job growth and stifles the ability to compete on a level playing field.
Good risk culture is not about reporting numbers and ticking boxes. It’s only when disaster strikes that the need for better soft skills and judgement is recognised as best practice.
Second mortgages are far more common than is recognised, often in the form of expensive debt. These 'silent seconds' may sit unnoticed until market conditions deteriorate and payments cannot be met.
Anchoring refers to a common human tendency to make judgements based on the first piece of information received. In relation to investing, it makes us focus on irrelevant factors when making decisions to buy or sell equities.
The Cuffelinks team would like to thank you for your time in responding to our latest Reader Survey - your feedback is most encouraging. It gives us valuable insights into how our newsletter and website are being received.
Sydney is set to become the world’s most expensive city for housing over the next 12 months, a new report shows. Our other major cities aren’t far behind unless there are major changes to improve housing affordability.
The Government's proposed tax has copped a lot of flack though I think it's a reasonable approach to improve the long-term sustainability of superannuation and the retirement income system. Here’s why.
You've no doubt heard about Division 296. These case studies show what people at various levels above the $3 million threshold might need to pay the ATO, with examples ranging from under $500 to more than $35,000.
The $3m super tax could be put down to the Government needing money and the wealthy being easy targets. It’s deeper than that though and this looks at the factors behind the policy and why more taxes on the wealthy are coming.
The super tax has caused an almighty scuffle, but for SMSFs impacted by the proposed tax, a big question remains: what should they do now? Here are ideas for those wanting to withdraw money from their SMSF.
Australia's superannuation inequities date back to poor decisions made by Parliament two decades ago. If super for the wealthy needs resetting, so too does the defined benefits schemes for our public servants.