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5 September 2026
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Chris Cuffe's views on risk, the paradox of living longer, the need for super funds to provide individual reporting, how to manage for real returns, and an interview with Ken Henry on opportunities for Australian businesses.
Risk means different things to different people, and there is a misallocation of resources, energy and intellect across the superannuation industry (and investment industry more broadly) to address risk.
Living longer does not necessarily translate into financial freedom. The hope is that you can work longer and therefore have more savings for your retirement, but people have less income-earning years.
There is a significant leadership opportunity for super funds to manage real return risk, where the inflation risk represents a potential erosion of retirement outcomes.
Super funds should provide a calculation of a member’s actual average return over their period of membership based on their own personal cash flow of contributions and fees experienced.
The Australian businesses likely to succeed in the Asian century are those that provide goods or services to the 3.2 billion middle-class consumers living in Asia within 15 years.
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.
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.
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.
Tax rules have changed, but many investors are still using yesterday’s strategies. Insurance bonds may offer advantages for those seeking greater control, tax efficiency and certainty about their wealth.
What begins as appetite, grows into excess and ultimately ends in spectacle. Millions of investors just discovered this the hard way.
Treasury’s latest CGT reform draft delivers a win for testamentary trusts and deceased estates, exempting estate-derived gains from the 30% floor. However, questions on death and divorce rollovers remain unresolved.