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Cuffelinks Newsletter Edition 266

  • 10 August 2018

“Alone in the dark with our money”, your financial literacy, tech dominance, housing fears, tax perils, startup warnings, good to bad, lifestages.

Commission says trustees “alone in the dark with our money”

The Royal Commission stoked the coals on financial advice fees and commissions, taking three days to learn trustees and management are severely conflicted by best interest responsibilities.

Are Cuffelinks readers smarter than average?

The 2018 HILDA Survey included five questions aimed at measuring financial literacy. We have replicated these in Cuffelinks' own quiz to compare our readership's results with that of the rest of Australia.

Apple at US$1 trillion: tech titans give runaway returns to scale

With Apple through to US$1 trillion, and Google, Amazon, Microsoft hot on its heels, could these megacaps be experiencing ‘runaway returns to scale’?

Will the Royal Commission end our debt obsession?

The tightening of credit conditions for home lending driven by the Royal Commission has not fully translated into aggregate statistics, and the slowdown may already be worse than we realise.

Golden rules for considering tax in investing

Investments that offer some element of tax effectiveness or tax breaks can be good, but it's unwise to make investment decisions, both buying or selling, based solely on beneficial tax treatment.

Five tips for better startup investing

Investing in startups and untried ideas is risky but there are some ways to swing the odds in your favour, without becoming bogged down in running the business. It's mainly about the people.

When good defensive investments go bad

Most fund managers had a strong year in FY2018, but past bumper years when MTAA invested heavily in so called 'low risk' illiquid assets provide a warning in less fortuitous markets.

Lessons from the endgame for Toys 'R' Us

After failing to secure a buyer, Toys 'R' Us Australia is set to close down all of its toy and baby goods stores. The company has struggled globally against intense online competition.

Five financial stages in everyone's life

It is useful to think of your financial life and psychological adjustment in five stages: a family and career phase, pre-retirement, close to retirement, just past retirement, and then lifestyle downsizing.

Most viewed in recent weeks

Which generation had it toughest?

Each generation believes its economic challenges were uniquely tough - but what does the data say? A closer look reveals a more nuanced, complex story behind the generational hardship debate. 

Raising the GST to 15%

Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.

100 Aussies: seven charts on who earns, pays, and owns

The Labor government is talking up tax reform to lift Australia’s ailing economic growth. Before any changes are made, it’s important to know who pays tax, who owns assets, and how much people have in their super for retirement.

The best way to get rich and retire early

This goes through the different options including shares, property and business ownership and declares a winner, as well as outlining the mindset needed to earn enough to never have to work again.

A perfect storm for housing affordability in Australia

Everyone has a theory as to why housing in Australia is so expensive. There are a lot of different factors at play, from skewed migration patterns to banking trends and housing's status as a national obsession.

Chinese steel - building a Sydney Harbour Bridge every 10 minutes

China's steel production, equivalent to building one Sydney Harbour Bridge every 10 minutes, has driven Australia's economic growth. With China's slowdown, what does this mean for Australia's economy and investments?

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