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Edition: 157

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Edition 157

  • 27 May 2016

In my various personal and professional roles, I am involved in setting many investment strategies based on vastly different resources and needs. Every circumstance is unique due to risk tolerance, expected returns, desire for income, time horizon, etc. It's not only for institutions. For example, all SMSF trustees are required by law to prepare an investment strategy. Raewyn Williams says we need to address the tensions between multiple needs and wants, such as 'min risk or max return', and understand our investing preferences and tradeoffs.

Results of retrospectivity and Budget survey

The proposed superannuation changes in the 2016 Budget generated the full range of emotions, from outrage to praise. The comments among the 700 responses reveal as much as the overall scores.

Investment objectives: are you max return or min risk?

The benefit of setting investment objectives is most apparent in times of market turmoil, but at any time, defining a preference for maximum returns or minimum risk will help to achieve the right outcome.

Managing uncertainty in retirement

The way retirement risks and outcomes are visualised and communicated needs to move from simplistic assumptions on returns to calculating a range of outcomes and probabilities to better represent the real world.

Commodities: has the trend changed?

The commodities market is impossible to predict in terms of cyclical highs and lows, and nobody 'rings the bell' at either point. One strategy is to scale in or out gradually on early detection of a new trend.

Philanthropy can blend tax deductions, engagement and impact

Public or private ancillary funds are tax-effective vehicles to manage charitable giving. Not only are there immediate tax advantages, but it can set up a family for generations of giving and engagement.

Are term deposits safe or risky for long-term investors?

Keeping superannuation savings in term deposits will protect the capital but doesn't optimise the retirement outcome. There are many alternatives that should provide higher sustainable income over the long term.

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100 Aussies: seven charts on who earns, pays, and owns

The Labor government is talking up tax reform to lift Australia’s ailing economic growth. Before any changes are made, it’s important to know who pays tax, who owns assets, and how much people have in their super for retirement.

Here's what should replace the $3 million super tax

With Div. 296 looming, is there a smarter way to tax superannuation? This proposes a fairer, income-linked alternative that respects compounding, ensures predictability, and avoids taxing unrealised capital gains. 

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In selling the super tax, Labor has repeated Treasury claims of there being $50 billion in super tax concessions annually, mostly flowing to high-income earners. This figure is vastly overstated.

With markets near record highs, here's what you should do with your portfolio

Markets have weathered geopolitical turmoil, hitting near record highs. Investors face tough decisions on valuations, asset concentration, and strategic portfolio rebalancing for risk control and future returns.

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