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Edition: 324

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Seven major trends affecting Australians in retirement

Retirement planning will become increasingly complex in the face of trends in home ownership, wealth dispersion, life expectancy, health and aged care costs, work patterns and pension dependency.

FoFA, the Failure of Financial Advice, Take 2

In solving problems relating to conflicts of interest, comprehensive financial advice will be increasingly confined to the wealthy. Advisers respond plus comments by Perpetual's Adam Curtis.  

Three financial advice changes nobody is talking about

The overhaul of financial advice practices affects not only advisers but also their clients. Legislative changes are coming by mid next year and too few people are considering them.  

Investing in the Electric Vehicle ecosystem

Within a few years, a massive global industry will shift its well-established form entirely as electric vehicles become the norm. But the opportunities might not be among the car makers. 

The big lessons from the A-REIT reporting season

The listed property market, or A-REITs, is far from homogeneous, with low rates and industry trends producing winners and losers. There's more to investing here than chasing property yields.

Choosing your investment strategy is like a road journey

Investing in a traditional index can be compared with taking the main road to a destination, but if you know the backroads and traffic conditions, you coud reach your goal quicker.

What does a negative bond yield really mean?

Many investors are struggling with the idea of negative yields on bonds, but with $17 trillion on issue, it's worth taking a moment to think about what it actually means for your portfolio.

Welcome to Firstlinks Edition 324

  • 18 September 2019
  • 1

Disruption is an overused word but there are major trends underway which are changing retirement planning. Three experts, Michael Rice, Anthony Asher and David Knox, have described a better integrated system for retirement options. We draw out their seven trends affecting the long-term investing of Australians.

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Indexation implications – key changes to 2026/27 super thresholds

Stay on top of the latest changes to superannuation rates and thresholds for 2026, including increases to transfer balance cap, concessional contributions cap, and non-concessional contributions cap.

The missing 30%: how LIC returns are understated, and why it matters

The perceived underperformance of LICs compared to ETFs is due to existing comparison data excluding crucial information, highlighting the need for proper assessment and transparent reporting.

Little‑known government scheme can help retirees tap into $3 trillion of housing wealth

The Home Equity Access Scheme in Australia allows older homeowners to tap into their home equity for retirement income, yet remains underused due to lack of awareness and its perceived complexity.

Origins of the mislabeled capital gains tax ‘discount’

Debate over the CGT discount is intensifying amid concerns about intergenerational equity and housing affordability. This analysis shows that the 'discount' does not necessarily favor property investors.

2 billion reasons to fix retirement income

A proposal to address Australia's 'stranded balances' in retirement by requiring super funds to transition members to pension phase at 65, boosting retirement income and reframing super as a source of income.

The ultimate superannuation EOFY checklist 2026

Here is a checklist of 28 important issues you should address before June 30 to ensure your SMSF or other super fund is in order and that you are making the most of the strategies available.

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