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Edition: 26

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Edition 26

  • 9 August 2013

Buying when consumer sentiment is at its peak, tax-effective bequests, commercial property rewards and risks, IBISWorld on superannuation, Jack Gray's 'C words', and US delivers a once-in-a-lifetime performance.

Investing against the herd, Part 3, Testing the theory

An 'against the herd' portfolio is some 54% higher than the 'follow the herd’ portfolio, and 22% better than a passive portfolio. Ignore the market hype and general sentiment and focus instead on the facts.

Tax-effective charitable bequests

With some extra thought in estate planning, a bequest to a charity could be made in a more tax-effective way, creating the potential for larger bequests.

The C words: an irregular, irritating series of dictionary narratives

The irreverent Jack Gray starts his irregular, irritating series of dictionary narratives, with some delightful insights full of political incorrectness.

Investing in commercial property

There are excellent investment opportunities in the smaller end of the commercial property market, but it is different from residential and comes with additional risks.

Superannuation emerges from a torrid period to more regulatory upheaval

IBISWorld is Australia’s best-known business information corporation and has provided this summary of the current superannuation landscape exclusively for Cuffelinks.

Once in a lifetime returns from US shares

Not only has the US market returned 39% in Australian dollars over the past 9 months, volatility has not been lower since the mid-2000s. It has been the best run of consistent, high returns in my lifetime.

Most viewed in recent weeks

Why have Australian living standards 'fallen' and how do we fix it?

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.

Will you run out of money in retirement?

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. 

Four options for an income investor’s next dollar

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.

Why spending more in early retirement can improve lifetime income

Conventional wisdom encourages retirees to preserve superannuation. But if those likely to qualify for the Age Pension later in life spend a little more today, it may deliver higher lifetime income and a more stable retirement.

The investment that sidesteps the new tax traps

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.

Testamentary trusts have secured the CGT exemption

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.

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