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Edition: 21

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Edition 21

  • 28 June 2013

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.

We need to talk about risk

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.

The financial life cycle paradox

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.

Managing for real returns

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.

Supersize and individual reporting for members

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.

Australia’s economic future, with Dr Ken Henry

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.

Most viewed in recent weeks

It’s time for LICs to die

A high-profile dividend cut and a prominent fund manager’s apology have reignited a long-running debate. If investors can access similar exposures more cheaply and efficiently elsewhere, what exactly is keeping LICs alive?

Division 296: the initial moves to make before the windows close

What if the best superannuation strategy isn't about earning more, but acting before your options disappear? Several overlooked planning windows are narrowing, with consequences that can last for decades.

The retirement scorecard: how many of these questions can you answer?

From the maths of retirement, estimating spending and picking the right asset allocation to survive a poor decade, here are the questions every retiree – current or future – should be able to answer for themselves.

Testamentary trusts: Treasury has picked the wrong reading

A decades-old estate planning tool has survived one tax crackdown only to be caught by another. The surprise isn't who the reform is targeting, but who could end up paying the price for drafting choices made years ago.

Higher yields are creating opportunities in global bonds

Bond markets are adjusting to a new reality, but not in the ways investors expect. With markets repricing and capital competing for attention, investors may need to rethink where resilience and opportunity lie. 

Avoid unnecessary CGT with this estate planning clause

A simple estate plan can create a ticking time bomb. One overlooked clause can pit spouses against children, delay inheritances, and potentially leave a family facing an unexpected tax bill worth hundreds of thousands of dollars.

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