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Edition: 211

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Edition 211

  • 21 July 2017

Australian bank margins and profits are underpinned by existing customers not demanding the rates available to new customers. When I sat on bank pricing committees many moons ago, we called this 'retail inertia'. Most borrowers do not walk into their local branch armed with comparison rates and ask for a better deal, and term deposit customers accept poor rollover rates.

Pension income and segregation in an SMSF

A more detailed response to comments on the previous article requesting clarification on the ability to segregate assets in superannuation, especially for SMSFs and members with over $1.6 million.

And we’re off: super tax risks post 1 July

The added complexity of the new superannuation rules increases the compliance burden for investors and their advisers, and the requirements around the $1.6 million threshold are especially complex.

7 ways acquisitions add or destroy value

Well-executed mergers and acquisitions can add material shareholder value, but there are plenty of examples where they destroy value, and in the worst cases, jeopardise the entire company.

The journey is more important than the destination

We may prefer a fast pay off but a long-term approach to investing will result in a less stressful journey and a more successful outcome.

Accessing super before retirement

Transition to Retirement Income Streams are no longer tax-free, but you can still access your super before retirement if you meet certain conditions, and there are strategies to reduce the tax paid.

3 difficulties investing in emerging markets

For many investors, allocations to emerging markets over the years have proved disappointing. An emphasis on corporate governance and social issues can help unlock some of the potential.

Value investing from an Australian perspective

Despite value investing struggling over the last decade, using free cash flow can generate outperformance with lower volatility compared to traditional classifications of value including earnings, book value and dividends.

Clear winner and loser in 2017/2018 survey

Any person responsible for constructing an investment portfolio must make decisions about asset allocation, requiring educated guesses about future returns. Are these results the Wisdom of Crowds?

Thornhill responds on dividends and Buffett

Author and university lecturer, Peter Thornhill, has been part of a lively conversation in our comments section as a result of Ashley Owen's article on dividends. He produced this chart to expand his argument. 

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Australian house prices close in on world record

Sydney is set to become the world’s most expensive city for housing over the next 12 months, a new report shows. Our other major cities aren’t far behind unless there are major changes to improve housing affordability.

The case for the $3 million super tax

The Government's proposed tax has copped a lot of flack though I think it's a reasonable approach to improve the long-term sustainability of superannuation and the retirement income system. Here’s why.

Tariffs are a smokescreen to Trump's real endgame

Behind market volatility and tariff threats lies a deeper strategy. Trump’s real goal isn’t trade reform but managing America's massive debts, preserving bond market confidence, and preparing for potential QE.

The super tax and the defined benefits scandal

Australia's superannuation inequities date back to poor decisions made by Parliament two decades ago. If super for the wealthy needs resetting, so too does the defined benefits schemes for our public servants.

Meg on SMSFs: Withdrawing assets ahead of the $3m super tax

The super tax has caused an almighty scuffle, but for SMSFs impacted by the proposed tax, a big question remains: what should they do now? Here are ideas for those wanting to withdraw money from their SMSF.

Getting rich vs staying rich

Strategies to get rich versus stay rich are markedly different. Here is a look at the five main ways to get rich, including through work, business, investing and luck, as well as those that preserve wealth.

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