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Edition: 280

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Cuffelinks Newsletter Edition 280

  • 16 November 2018

SMSF asset allocation, Labor franking hits low incomes, Noel Whittaker on $1.6m cap, Sam Wylie on your fees, aged care, robo reply, bearish investors.

Do you know the fees you're paying?

Depending on the type of fund you use and whether you pay for advice, there is a large difference in the size of fees. It might be worth paying for extras but choose the fund and advice level that suits you.

When the $1.6m cap is no longer relevant

There has been a massive focus on the maximum allowed in a tax-free pension of $1.6 million, but what happens if your portfolio rises in value and you exceed it? Should you worry about it?

AFCA: A new era in financial services dispute resolution

The CEO of the new Australian Financial Complaints Authority (AFCA) writes exclusively for Cuffelinks on how it will operate, including jurisdiction, remediation, efficiency and building trust.

Royal Commission must remove aged care anomalies

The current system is complex and inequitable, and those most affected by aged care anomalies are often least able to understand the consequences.

Roboadvice's role in financial advice’s future

In a response to Graham Hand's article on why roboadvice is struggling, the case is made that conventional financial advice will increasingly confine itself to the wealthy, and the mass market needs another solution.

Taxpayers with lowest tax rate are hardest hit

Two studies dive into the numbers to argue that Labor's franking policy will hit low income earners the hardest, because a franking credit is a constant 30% of the taxable income.

Share outlook turns negative for first time

A monthly survey carried out for almost a decade shows the Australian retail market has turned suddenly bearish recently. Lots of factors are worrying people.

Most viewed in recent weeks

Simple maths says the AI investment boom ends badly

This AI cycle feels less like a revolution and more like a rerun. Just like fibre in 2000, shale in 2014, and cannabis in 2019, the technology or product is real but the capital cycle will be brutal. Investors beware.

Why we should follow Canada and cut migration

An explosion in low-skilled migration to Australia has depressed wages, killed productivity, and cut rental vacancy rates to near decades-lows. It’s time both sides of politics addressed the issue.

Are LICs licked?

LICs are continuing to struggle with large discounts and frustrated investors are wondering whether it’s worth holding onto them. This explains why the next 6-12 months will be make or break for many LICs.

Australian house price speculators: What were you thinking?

Australian housing’s 50-year boom was driven by falling rates and rising borrowing power — not rent or yield. With those drivers exhausted, future returns must reconcile with economic fundamentals. Are we ready?

Retirement income expectations hit new highs

Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?

Welcome to Firstlinks Edition 627 with weekend update

This week, I got the news that my mother has dementia. It came shortly after my father received the same diagnosis. This is a meditation on getting old and my regrets in not getting my parents’ affairs in order sooner.

  • 4 September 2025

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