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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

2024/25 super thresholds – key changes and implications

The ATO has released all the superannuation rates and thresholds that will apply from 1 July 2024. Here's what’s changing and what’s not, and some key considerations and opportunities in the lead up to 30 June and beyond.

Five months on from cancer diagnosis

Life has radically shifted with my brain cancer, and I don’t know if it will ever be the same again. After decades of writing and a dozen years with Firstlinks, I still want to contribute, but exactly how and when I do that is unclear.

Is Australia ready for its population growth over the next decade?

Australia will have 3.7 million more people in a decade's time, though the growth won't be evenly distributed. Over 85s will see the fastest growth, while the number of younger people will barely rise. 

Welcome to Firstlinks Edition 552 with weekend update

Being rich is having a high-paying job and accumulating fancy houses and cars, while being wealthy is owning assets that provide passive income, as well as freedom and flexibility. Knowing the difference can reframe your life.

  • 21 March 2024

Why LICs may be close to bottoming

Investor disgust, consolidation, de-listings, price discounts, activist investors entering - it’s what typically happens at business cycle troughs, and it’s happening to LICs now. That may present a potential opportunity.

The public servants demanding $3m super tax exemption

The $3 million super tax will capture retired, and soon to retire, public servants and politicians who are members of defined benefit superannuation schemes. Lobbying efforts for exemptions to the tax are intensifying.

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