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Cuffelinks Newsletter Special Edition 250

  • 27 April 2018

‘Regrets, I’ve had a few …’ Special 250th Edition ebook plus Royal Commission coverage.

Special 250th Edition ebook: Mistakes that made us better investors

For a Special 250th Edition, we asked: "What is an enduring investment lesson you learned from making a mistake?" and we received a wide range of responses that might prevent someone from repeating the same error.

Royal Commission 1: How the tone was set

The characteristic tone of the Royal Commission was set on the first day focus on financial advice, and no witness has been able to defend commissions to advisers and the vertical integration model.

Royal Commission 2: Goodbye grandfathering, hello fee-for-service

Grandfathering and the implications for commissions has become a major flash point, and the Royal Commission is focussing on problems created when advisers are given the wrong incentives.

Royal Commission 3: A ban on all percentage-based fees?

The Royal Commission is asking whether percentage-based fees offer the wrong incentives and why administration is not a flat fee business. Where might this go in wealth management?

Thanks for the Royal Commission feedback

The Financial Services Royal Commission is discovering behaviour that is far worse than expected, with widespread implications for wealth management. Banks are challenged making the vertical integration model work.

Where does financial advice need to head?

The Royal Commission is exposing the product / advice disconnect, and different rules are required for aligned and non-aligned advisers to recognise the conflict in vertical integration. The medical profession is a model.

A tough day in the royal office for Henderson Maxwell

The Royal Commission's attention switched from the big players to a small independent advice firm with only six staff, but it showed the potential for conflicted advice runs deep.

The saga of FoFA (so far) - a reprise from 2014

Following the Ripoll Inquiry in November 2009, the Labor Government formulated the Future of Financial Advice proposals. A lot has happened since, and the Royal Commission is dealing with the consequences.

Most viewed in recent weeks

10 little-known pension traps prove the value of advice

Most people entering retirement do not see a financial adviser, mainly due to cost. It's a major problem because there are small mistakes a retiree can make which are expensive and avoidable if a few tips were known.

Check eligibility for the Commonwealth Seniors Health Card

Eligibility for the Commonwealth Seniors Health Card has no asset test and a relatively high income test. It's worth checking eligibility and the benefits of qualifying to save on the cost of medications.

Hamish Douglass on why the movie hasn’t ended yet

The focus is on Magellan for its investment performance and departure of the CEO, but Douglass says the pandemic, inflation, rising rates and Middle East tensions have not played out. Vindication is always long term.

Start the year right with the 2022 Retiree Checklist

This is our annual checklist of what retirees need to be aware of in 2022. It is a long list of 25 items and not everything will apply to your situation. Run your eye over the benefits and entitlements.

At 98-years-old, Charlie Munger still delivers the one-liners

The Warren Buffett/Charlie Munger partnership is the stuff of legends, but even Charlie admits it is coming to an end ("I'm nearly dead"). He is one of the few people in investing prepared to say what he thinks.

Should I pay off the mortgage or top up my superannuation?

Depending on personal circumstances, it may be time to rethink the bias to paying down housing debt over wealth accumulation in super. Do the sums and ask these four questions to plan for your future.

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