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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

Is it better to rent or own a home under the age pension?

With 62% of Australians aged 65 and over relying at least partially on the age pension, are they better off owning their home or renting? There is an extra pension asset allowance for those not owning a home.

Too many retirees miss out on this valuable super fund benefit

With 700 Australians retiring every day, retirement income solutions are more important than ever. Why do millions of retirees eligible for a more tax-efficient pension account hold money in accumulation?

Is the fossil fuel narrative simply too convenient?

A fund manager argues it is immoral to deny poor countries access to relatively cheap energy from fossil fuels. Wealthy countries must recognise the transition is a multi-decade challenge and continue to invest.

Reece Birtles on selecting stocks for income in retirement

Equity investing comes with volatility that makes many retirees uncomfortable. A focus on income which is less volatile than share prices, and quality companies delivering robust earnings, offers more reassurance.

Comparing generations and the nine dimensions of our well-being

Using the nine dimensions of well-being used by the OECD, and dividing Australians into Baby Boomers, Generation Xers or Millennials, it is surprisingly easy to identify the winners and losers for most dimensions.

Anton in 2006 v 2022, it's deja vu (all over again)

What was bothering markets in 2006? Try the end of cheap money, bond yields rising, high energy prices and record high commodity prices feeding inflation. Who says these are 'unprecedented' times? It's 2006 v 2022.

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