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Edition: 297

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Cuffelinks Edition 297

  • 15 March 2019

Hayne challenges all advice, marketplace lending face off, sole purpose test confusion, stop dividend focus, new Pension Loans Scheme, more on franking.

Royal Commission's Table of (Dis)Contents

It was not supposed to be the Financial Advice Royal Commission, but there is significant focus on advice, including a little-discussed reduction in the ability to pay advice fees from a super fund.

Sole purpose test needs level playing field

An inducement offer by a super fund is currently active, and it is creating confusion about what marketing is permissible, given that previously, regulators held such to be in violation of the sole purpose test.

Investor questions for marketplace lenders

Marketplace or peer-to-peer lending is well established overseas and growing rapidly in Australia, but investors should understand the risks and the returns, as described in the first part of this debate.

How marketplace lending meets investor needs

In the second part of this debate on marketplace lending, a market participant explains the steps taken to mitigate the risks in lending for consumer credit.

Retirement planning is not just about income

The main focus in retirement planning should be on the entire return from a portfolio, not just the income generated, and this might help some people in managing changes due to Labor's franking credit proposal.

The new and improved Pension Loans Scheme

Access to regular payments from the Pension Loan Scheme is now available to any property owner of pension age irrespective of whether they qualify for the pension. It can be a valuable extra planning tool.

Tax-free super is due to a social contract

The design of superannuation is part of a social contract, and people who do not understand the long-term context are often offended that super funds should be tax-free in retirement. Don't blame Peter Costello.

Most viewed in recent weeks

Is it better to rent or own a home under the age pension?

With 62% of Australians aged 65 and over relying at least partially on the age pension, are they better off owning their home or renting? There is an extra pension asset allowance for those not owning a home.

Too many retirees miss out on this valuable super fund benefit

With 700 Australians retiring every day, retirement income solutions are more important than ever. Why do millions of retirees eligible for a more tax-efficient pension account hold money in accumulation?

Is the fossil fuel narrative simply too convenient?

A fund manager argues it is immoral to deny poor countries access to relatively cheap energy from fossil fuels. Wealthy countries must recognise the transition is a multi-decade challenge and continue to invest.

Reece Birtles on selecting stocks for income in retirement

Equity investing comes with volatility that makes many retirees uncomfortable. A focus on income which is less volatile than share prices, and quality companies delivering robust earnings, offers more reassurance.

Comparing generations and the nine dimensions of our well-being

Using the nine dimensions of well-being used by the OECD, and dividing Australians into Baby Boomers, Generation Xers or Millennials, it is surprisingly easy to identify the winners and losers for most dimensions.

Anton in 2006 v 2022, it's deja vu (all over again)

What was bothering markets in 2006? Try the end of cheap money, bond yields rising, high energy prices and record high commodity prices feeding inflation. Who says these are 'unprecedented' times? It's 2006 v 2022.

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