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Friday, 3 December 2021
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The ideal post retirement product for many combines capital protection with the potential for growth, without high fees and capital charges. The search for the silver bullet goes on.
Looking at the big picture, the world will gradually move away from fossil fuels to renewable energy. Progress will be slow and timing uncertain, but investments will need to adapt to the change in energy usage.
Is it paranoia, or are the goal posts always changing for Generation X? Read the musings of a disgruntled Gen-Xer, lifting the lid on our government's secret plan to thwart her kind at every turn.
The majority of SMSFs have just two members, typically husband-wife. One of the most common problems with an SMSF is what happens if one member dies or becomes incapacitated.
A broader study of household financial situations reveals that quality financial advice eludes the very people who would benefit from it most. Every Australian should have equitable access to our financial system.
With years in retirement increasing and the tendency of modern retirees to be fitter and healthier, we find there's more to life than sitting back and watching the world go by. In fact, it's almost impossible.
Markets have become instrumental in finding new ways for investors and philanthropists to make a social impact with the potential for good returns.
The way home ownership relates to retirement income is rated a 'D', as in Distortion, Decumulation and Denial. For many, their home is their largest asset but it's least likely to be used for retirement income.
There’s this story about a group of US Air Force generals in World War II who try to figure out ways to protect fighter bombers (and their crew) by examining the location of bullet holes on returning planes. Mapping the location of these holes, the generals quickly come to the conclusion that the areas with the most holes should be prioritised for additional armour.
House prices have risen at the fastest pace for 33 years, but what actually happened in 1988, and why is 2021 different? Here's a clue: the stockmarket crashed 50% between September and November 1987. Looking ahead, where did house prices head in the following years, 1989 to 1991?
Australia appears to be slipping from the pantheon of global superstar pension systems, with a recent report placing us sixth. A review of an earlier report, which had Australia in bronze position, points to some reasons why, and what might need to happen to regain our former glory.
Super funds will soon be required to offer retirement income strategies for members in decumulation. With uncertain returns, uncertain timelines, and different goals, it's possibly “the hardest, nastiest problem in finance".
You want to take a lump sum from your super, but what's the best way? Should it come from you or your spouse, or the pension or accumulation account. There is a welcome flexibility to select the best outcome.