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Edition: 36

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Edition 36

  • 18 October 2013

Inside the previous crisis, what's wrong with "I don't know"?, more efficient pensions and the third in a series on annuities.

Sometimes, the best answer is “I don’t know”

With such political uncertainty in the US, it's one of those times when “I don’t know” should be a more common response from commentators and analysts. They're too dismissive of the potential for poor outcomes.

An insider's view of the last financial crisis

It's easy to forget how severe the GFC was in destroying confidence and locking up markets. There was a genuine fear that the world was such a toxic place that no credit could be trusted.

What did you do during the GFC, Daddy?

When the GFC hit Europe, a billion dollars of notes we had on issue matured over the following months without a single rollover at any price. It confirmed the need for diversified funding sources for every major borrower.

Behavioural reasons why we ignore life annuities

Life annuities is a product with theoretical appeal but it does not gather significant market acceptance. These behavioural reasons need to be addressed before substantial increases in sales occur.

Getting the most from your age pension

Your age pension entitlement is assessed under the Income Test, and it may be worth re-setting the deductible amount to improve your pension payments if it's been a while since the last calculation.

Most viewed in recent weeks

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?

Four best-ever charts for every adviser and investor

In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.

Why super returns may be heading lower

Five mega trends point to risks of a more inflation prone and lower growth environment. This, along with rich market valuations, should constrain medium term superannuation returns to around 5% per annum.

Preparing for aged care

Whether for yourself or a family member, it’s never too early to start thinking about aged care. This looks at the best ways to plan ahead, as well as the changes coming to aged care from November 1 this year.

Our experts on Jim Chalmers' super tax backdown

Labor has caved to pressure on key parts of the Division 296 tax, though also added some important nuances. Here are six experts’ views on the changes and what they mean for you.        

Why I dislike dividend stocks

If you need income then buying dividend stocks makes perfect sense. But if you don’t then it makes little sense because it’s likely to limit building real wealth. Here’s what you should do instead.

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