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17 September 2026
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Jeremy Cooper updates his views on super and retirement, plus Don Stammer on super losing its lustre, worries in demographic trends, portfolio diversification, watch for 'skill or systemic' in outperformance, and new video.
The ability of active fund managers to produce outperformance is generally attributed to a unique skill set. However, there are proven contributors to performance which are persistent and systematic, not manager skill.
I think the legislation based on the Cooper Review recommendations looks pretty good overall, although naturally, compromises have occurred. The big disappointment, though, is retirement.
In recent years, our retirement arrangements, and particularly the superannuation component, have been losing their lustre because of the many changes in regulations already made and in prospect.
Australia is at a critical point on four fronts - economic growth, capital allocation, public finance and personal management of retirement income. Demographics provides a road map of where we are heading.
The majority of super fund members in ‘balanced funds’ have sizeable allocations to bonds, global shares and listed property. SMSFs have over 60% of their assets in just cash, deposits and Australian shares.
Fear of running out has become a defining retirement anxiety. Why do some retirees die with substantial wealth while others deplete their nest egg? Evidence suggests the answer is more complicated than we think.
Conventional wisdom encourages retirees to preserve superannuation. But if those likely to qualify for the Age Pension later in life spend a little more today, it may deliver higher lifetime income and a more stable retirement.
Tax rules have changed, but many investors are still using yesterday’s strategies. Insurance bonds may offer advantages for those seeking greater control, tax efficiency and certainty about their wealth.
Treasury’s latest CGT reform draft delivers a win for testamentary trusts and deceased estates, exempting estate-derived gains from the 30% floor. However, questions on death and divorce rollovers remain unresolved.
Reversionary pensions have long been a staple of SMSF estate planning, but are they still the best option? Meg Heffron revisits a once-clear favourite and asks whether changing super rules have shifted the balance.
What begins as appetite, grows into excess and ultimately ends in spectacle. Millions of investors just discovered this the hard way.