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30 October 2025

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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.

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In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.

Why super returns may be heading lower

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Preparing for aged care

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Why I dislike dividend stocks

If you need income then buying dividend stocks makes perfect sense. But if you don’t then it makes little sense because it’s likely to limit building real wealth. Here’s what you should do instead.

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