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Edition 3

  • 22 February 2013

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Dividend imputation and superannuation are worth fighting for

The super industry should have a jaundiced view of reductions in the existing company tax rate but, more than that, remain vigilant in protecting ‘dividend imputation’. And superannuation is about de-risking the future, so people should be encouraged to salary sacrifice in later life.

Is APRA's Standard Risk Measure helpful?

Super fund Product Disclosure Statements now include a measure of risk called the ‘Standard Risk Measure’, or SRM, but it has some important shortcomings, especially ignoring the size of losses.

Do we really need superannuation?

We will have a significant retirement funding problem for at least the next 30 years. We need super to reduce the future tax burden on those employed who will be asked to support an ageing population.

Self managed super's best-kept secret

If ‘SMSF’ were a corporate brand, its marketing department would be the most successful in superannuation history. The major retail funds always had a strong response to SMSFs in their kit bag, but they didn’t explain it to enough customers.

The insurance essentials

Protecting your wealth and standard of living is just as important as building it in the first place. You are gambling with your financial future if you do not have adequate insurance.

The difference between arithmetic and geometric investment returns

The arithmetic mean of the annual returns of the ASX/S&P200 since 1980 is 13.9% per annum, while the geometric mean is 11.6% per annum. This is an annual 2.3% gap. Which returns have you been watching?

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10 little-known pension traps prove the value of advice

Most people entering retirement do not see a financial adviser, mainly due to cost. It's a major problem because there are small mistakes a retiree can make which are expensive and avoidable if a few tips were known.

Check eligibility for the Commonwealth Seniors Health Card

Eligibility for the Commonwealth Seniors Health Card has no asset test and a relatively high income test. It's worth checking eligibility and the benefits of qualifying to save on the cost of medications.

Hamish Douglass on why the movie hasn’t ended yet

The focus is on Magellan for its investment performance and departure of the CEO, but Douglass says the pandemic, inflation, rising rates and Middle East tensions have not played out. Vindication is always long term.

Start the year right with the 2022 Retiree Checklist

This is our annual checklist of what retirees need to be aware of in 2022. It is a long list of 25 items and not everything will apply to your situation. Run your eye over the benefits and entitlements.

At 98-years-old, Charlie Munger still delivers the one-liners

The Warren Buffett/Charlie Munger partnership is the stuff of legends, but even Charlie admits it is coming to an end ("I'm nearly dead"). He is one of the few people in investing prepared to say what he thinks.

Should I pay off the mortgage or top up my superannuation?

Depending on personal circumstances, it may be time to rethink the bias to paying down housing debt over wealth accumulation in super. Do the sums and ask these four questions to plan for your future.

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