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Friday, 30 July 2021
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Many people believe the changes to superannuation rules in Budget 2016 will have a significant impact on their retirement plans. Have your say.
The radical changes to contribution caps and retrospective treatment of large balances in pension accounts will force many people to reconsider their retirement plans.
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.
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.
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.
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.
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.
What happens when a superannuation expert sets up his own retirement portfolio using decades of knowledge? He finds he can afford much more investment risk in his portfolio than conventional thinking suggests.
There is a small universe of companies on the ASX which are reliable dividend payers over five years, are fairly valued and are classified as ‘negligible’ or ‘low’ on both ESG risk and carbon risk.
The Big Four banks look similar but they are at fundamentally different stages as they move to simpler business models. Amid challenges from operating systems, loan growth and neobank threats, one factor stands tall.
They are six of the greatest businesses ever and should form part of the global portfolios of all investors. The market sees risk in inflation and valuations but the companies are positioned for outstanding growth.
A comprehensive study of the impact of inflation on returns from different assets over the past 120 years. The high returns in recent years are due to low inflation and falling rates but this ‘sweet spot’ is ending.
The first of five articles on modern retirement income products that aim for an increasing pension that lasts for life and on average should not decline in real terms. They are not silver bullets but worth a look.