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Edition: 136

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Edition 136

  • 27 November 2015

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.

Global index flaw has flow-on consequences

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.

Payroll tax distorts competition and penalises jobs

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 and how to recognise it

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.

‘Silent seconds’ are the landmines of Australian residential property

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 holds back your investing

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.

Results from the 2015 Reader Survey

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.

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Retirement income expectations hit new highs

Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?

Four best-ever charts for every adviser and investor

In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.

Why super returns may be heading lower

Five mega trends point to risks of a more inflation prone and lower growth environment. This, along with rich market valuations, should constrain medium term superannuation returns to around 5% per annum.

The hidden property empire of Australia’s politicians

With rising home prices and falling affordability, political leaders preach reform. But asset disclosures show many are heavily invested in property - raising doubts about whose interests housing policy really protects.

Preparing for aged care

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Our experts on Jim Chalmers' super tax backdown

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