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Edition: 190

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Edition 190

  • 17 February 2017

It is easy to feel lulled into a sense of security about interest rates, as a generation of investors has experienced little but falling rates. Despite the recent rises (see red arrow), US and Australian yields remain near record lows. Australia has the world's highest ratio of household debt to GDP, according to the Bank for International Settlements. It's frightening to consider the consequences of a 'black swan' rise in rates to the long-term US bond average of say 6% over the next couple of years, as recently forecast by legendary fund manager, Stanley Druckenmiller.

Trust alternatives after 1 July super changes

The changes to superannuation rules make rolling over an estate into a surviving spouse's pension account less attractive, reviving a role for testamentary trusts.

Preparing for the ups-and-downs of 2017

When markets deliver lower returns, investors need to save more, learn about investments and stay the course to achieve their retirement goals. Diversification is an effective way to weather uncertain times.

A study of NAB’s Subordinated Notes 2

Subordinated debt issues are a less risky investment than capital notes and hybrids, but each transaction is different and not riskless. The current issue of NAB Subordinated Notes is just one example.

Is super segregation still possible for SMSFs?

In light of the coming superannuation changes, advisers are considering alternative opportunities to retain some of the benefits, although each should be carefully checked.

Size matters for SMSF performance

There is much industry debate on the minimum size to make an SMSF worthwhile, and the range of costs can add up. A recent study of SMSF performance highlights the difference size can make.

Five ways to filter the fintech hype

Almost every day, there is a new and exciting fintech announcement of the next big thing. Some checks improve the chances of finding the financial services winners.

Most viewed in recent weeks

Three steps to planning your spending in retirement

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.

Finding sustainable dividend stocks on the ASX

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.

Among key trends in Australian banks, one factor stands out

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.

Why mega-tech growth are the best ‘value’ stocks in the market

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.

How inflation impacts different types of investments

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.

How to manage the run down in your income in retirement

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.

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