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Edition: 142

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Edition 142

  • 12 February 2016

These jittery markets remind us how difficult it is to estimate how much anyone needs in superannuation. Few people know how long they will live and what returns they will achieve, and wealth is also held outside of super. It's not surprising that recent CSIRO research shows most retirees only draw down the mandated minimums on their pensions, as they live on other resources and attempt to preserve their super.

Safe withdrawal rates for Australian retirees

The notion of the '4% rule' for drawing retirement income was devised in a much different economic environment than today. 'Safe' withdrawal rates may not be safe enough if certainty is required.

How to read RBA interest rate decisions

The RBA follows a fairly standard formula when drafting its interest rate announcements each month and a keen observer might detect a change in view before an actual change in interest rates.

Do 'January' results foretell the full year for equities?

A final look at the 'January effect' to analyse whether the market's first month performance predicts the share market's likely year-end returns, and why Australia is different from the US.

China’s paradigm shift and why I’m (still) cautiously bullish

Recent economic volatility in China could signal an important social shift - one which could actually drive China’s future growth and transform the country’s economic model.

The merits of reversionary versus non-reversionary pensions

Due to the complexity of superannuation law, it can be easy for SMSF trustees to miss out on some opportunities, including the use of reversionary pensions for tax and estate planning benefits.

Hello from the other side of Asia

Sri Lanka, Bali and Singapore do not receive the focus of their Asian neighbours in China, India and Japan, but they are undergoing fascinating changes which warrant a closer and more personal visit.

Most viewed in recent weeks

Australian house prices close in on world record

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 case for the $3 million super tax

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.

Tariffs are a smokescreen to Trump's real endgame

Behind market volatility and tariff threats lies a deeper strategy. Trump’s real goal isn’t trade reform but managing America's massive debts, preserving bond market confidence, and preparing for potential QE.

The super tax and the defined benefits scandal

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.

Meg on SMSFs: Withdrawing assets ahead of the $3m super tax

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.

Getting rich vs staying rich

Strategies to get rich versus stay rich are markedly different. Here is a look at the five main ways to get rich, including through work, business, investing and luck, as well as those that preserve wealth.

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