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Edition: 155

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Edition 155

  • 13 May 2016

I wonder if there is any other country where retirement incomes policies command such a high profile in an election campaign. Even stranger, the main political arguments are whether the policies can be defined as retrospective. Last week's article on the superannuation changes generated more comments than any of the previous 1,000+ articles we have published. This week, Graham argues the policies of both major parties fall into their own tests on retrospectivity. Now you've had time to digest the Budget, please fill in our survey on your reaction to it and retrospectivity.

Budget shocks limit large super balances

The radical changes to contribution caps and retrospective treatment of large balances in pension accounts will force many people to reconsider their retirement plans.

The vital role of insurance in super for disability care

For younger people who are yet to build their superannuation to a decent size, death and TPD insurance cover within super can make a huge difference if they are in need of disability care.

What credit spreads reveal about share markets

Understanding how credit spreads relate to share prices and what they can reveal about where we are in the stock market cycle can be useful information for the long-term investor.

Do investment principles stand test of time?

A comparison of superannuation investment strategy outcomes over two decades for three types of investors: a baby, a 20-year-old and a 40-year-old, shows the benefits of time and the value of compounding.

A world-class retirement incomes policy?

New research on Australia's retirement income policy argues many people (and the Budget) would be better off without compulsory super, especially when the welfare benefits of increasing home ownership are considered.

Anti-detriment abolition: death duty on the sly

Few people understand how valuable the 'anti-detriment' benefit was, which means there is little focus on how the Budget will collect $350 million from you in only two years. Imagine if they announced new death duties.

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Australia's retirement system works brilliantly for some - but not all

The superannuation system has succeeded brilliantly at what it was designed to do: accumulate wealth during working lives. The next challenge is meeting members’ diverse needs in retirement. 

Australian stocks will crush housing over the next decade, 2025 edition

Two years ago, I wrote an article suggesting that the odds favoured ASX shares easily outperforming residential property over the next decade. Here’s an update on where things stand today.

Get set for a bumpy 2026

At this time last year, I forecast that 2025 would likely be a positive year given strong economic prospects and disinflation. The outlook for this year is less clear cut and here is what investors should do.

The 3 biggest residential property myths

I am a professional real estate investor who hears a lot of opinions rather than facts from so-called experts on the topic of property. Here are the largest myths when it comes to Australia’s biggest asset class.

AFIC on the speculative ASX boom, opportunities, and LIC discounts

In an interview with Firstlinks, CEO Mark Freeman discusses how speculative ASX stocks have crushed blue chips this year, companies he likes now, and why he’s confident AFIC’s NTA discount will close.

Property versus shares - a practical guide for investors

I’ve been comparing property and shares for decades and while both have their place, the differences are stark. When tax, costs, and liquidity are weighed, property looks less compelling than its reputation suggests.

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