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Edition: 185

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Edition 185

  • 9 December 2016

Our superannuation system should be as simple to understand as possible, to encourage people to use it and trust it and save for their retirement, but the latest round of changes has introduced new levels of complexity. Jonathan Hoyle and Diana Chan think it's an early Christmas present for financial planners from Santa Scott Morrison, and they highlight the critical issues.

Five questions after Super Scott’s Santa surprise

Does the Treasurer realise the extent of the super 'gift' he has delivered to financial planners for Christmas? We're beginning to understand how complex the system has now become.

When an SMSF member becomes disqualified

When an SMSF member becomes a disqualified person, it's time to act. The law allows a window of only six months for the SMSF to address the issue and become compliant again, but it's rarely an easy process.

What do different types of bond yields mean?

The yield quoted for a bond can be calculated in many different ways, depending on its characteristics or the investment horizon of the bond holder. Which yield are you buying?

SAFs can provide powerful estate planning solutions

The last article in our series on small APRA funds explains how SAFs can provide estate planning solutions in unique circumstances, including blended families, second marriages and adult children with special needs.

Buffett on inflation and equity investing

It might be intuitive to think shares are more resilient to the effects of inflation than other asset classes, but as Warren Buffett warned in 1977, it could work the other way.

Exchange traded products in 2016 and a look ahead

Exchange traded products have had another strong year of growth in 2016. Their popularity with investors, both in Australia and globally, is driving innovation and it will continue in 2017.

Your best reads of 2016

It will soon be the time of year when people turn their mind to some casual reading and enjoy a quiet moment. Tell us the best book you read in 2016. It could be an oldie or a newie, but let's get a reading list going.

Most viewed in recent weeks

Are you making these SMSF mistakes?

After four decades advising investors, there are a few common mistakes I've seen SMSF investors make. From holding too much cash and chasing yield to overtrading and trusting tips. Are these errors costing you?

Why have Australian living standards 'fallen' and how do we fix it?

For the last few years there has been much talk of a 'cost-of-living' crisis in Australia and of 'falling living standards'. Lately this has flared up again with the pickup in inflation resulting in a renewed fall in real wages.

Retirement spending is not one-size-fits-all

New data challenges the idea that Australians are underspending their super. The bigger issue may be helping retirees navigate complexity, make confident decisions and use their savings to support security, wellbeing and choice.

Will you run out of money in retirement?

Fear of running out has become a defining retirement anxiety. Why do some retirees die with substantial wealth while others deplete their nest egg? Evidence suggests the answer is more complicated than we think. 

Four options for an income investor’s next dollar

What if Australia’s golden age of dividends is ending? Rather than overhaul your portfolio, it may be worth considering where new capital can work harder. I discuss four income strategies and the trade-offs behind each.

The missing link in the CGT debate

A little-noticed consequence of Labor’s tax changes could have implications well beyond investors’ tax bills. The issue raises bigger questions about incentives, capital allocation and the drivers of long-term economic growth.

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