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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.

Most viewed in recent weeks

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.

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.

Why we should follow Canada and cut migration

An explosion in low-skilled migration to Australia has depressed wages, killed productivity, and cut rental vacancy rates to near decades-lows. It’s time both sides of politics addressed the issue.

Are franking credits worth pursuing?

Are franking credits factored into share prices? The data suggests they're probably not, and there are certain types of stocks that offer higher franking credits as well as the prospect for higher returns.

Are LICs licked?

LICs are continuing to struggle with large discounts and frustrated investors are wondering whether it’s worth holding onto them. This explains why the next 6-12 months will be make or break for many LICs.

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