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Edition 173

  • 16 September 2016

The Government has scrapped the proposed $500,000 cap on non-concessional contributions, allowing contributions until the $1.6 million cap is reached. The non-concessional limit will be $100,000 a year, with the bring-forward allowed. So much for the Treasurer's recent conviction that the proposals would not be revisited. The complete announcement is on our website.

Government scraps $500,000 cap

The full text of the changes to the superannuation proposals. A better outcome for many building their super, and even the wealthy have a final chance to put $540,000 each into super.

Six factors guide when to sell your winners

While some investors like to take a profit, others let their winners run. It pays to have a systematic approach to selling winners in the hope of hanging on to the successes.

How rebalancing can help your portfolio

Investors should consider rebalancing their portfolios, including SMSF trustees who must comply with an investment strategy. Regular rebalancing can reduce concentration risk and improve performance.

Australian and US house prices remain firm

Increases in Australian house prices are slowing but there are many reasons for an underlying support, but some locations for apartments will not do as well. Housing recovery continues in the US.

Why bother with hedge funds?

Despite negative headlines regularly aimed at hedge funds, they experienced strong inflows in the six years until the end of 2015. What are the benefits of hedge funds for a portfolio?

Gold can play a role in SMSF portfolios

Only a tiny proportion of SMSF assets are invested in physical gold, but it's worth considering in a world of uncertainty and volatility, especially when interest rates are low.

Compulsory super not enough to avoid full pension

Australia's economy will struggle under an increasing age pension burden because the current level of compulsory super is inadequate to fund a comfortable retirement for most.

Unconventional monetary policy is now conventional

In a recent speech, US Federal Reserve Chair, Janet Yellen signalled that 'unconventional' monetary policy actions by central banks are likely to be 'normal' for many years.

Most viewed in recent weeks

10 little-known pension traps prove the value of advice

Most people entering retirement do not see a financial adviser, mainly due to cost. It's a major problem because there are small mistakes a retiree can make which are expensive and avoidable if a few tips were known.

Check eligibility for the Commonwealth Seniors Health Card

Eligibility for the Commonwealth Seniors Health Card has no asset test and a relatively high income test. It's worth checking eligibility and the benefits of qualifying to save on the cost of medications.

Hamish Douglass on why the movie hasn’t ended yet

The focus is on Magellan for its investment performance and departure of the CEO, but Douglass says the pandemic, inflation, rising rates and Middle East tensions have not played out. Vindication is always long term.

Start the year right with the 2022 Retiree Checklist

This is our annual checklist of what retirees need to be aware of in 2022. It is a long list of 25 items and not everything will apply to your situation. Run your eye over the benefits and entitlements.

At 98-years-old, Charlie Munger still delivers the one-liners

The Warren Buffett/Charlie Munger partnership is the stuff of legends, but even Charlie admits it is coming to an end ("I'm nearly dead"). He is one of the few people in investing prepared to say what he thinks.

Should I pay off the mortgage or top up my superannuation?

Depending on personal circumstances, it may be time to rethink the bias to paying down housing debt over wealth accumulation in super. Do the sums and ask these four questions to plan for your future.

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