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Edition: Caveat Emptor

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Caveat Emptor: Lifetime annuities versus indexed bonds

A reader sent in an excellent question on the merits of lifetime annuities versus long term indexed bonds for post-retirement income. Jeremy Cooper and Elizabeth Moran make the case for each.

Caveat Emptor: Super caps for workers over 65

Graeme Colley answers a reader’s question on making non-concessional contributions to super after the age of 65, including how the contributions caps work in different situations and how to make the most of them.

Caveat Emptor: LICs versus ETFs

We’ve asked two industry professionals to state their cases for and against these two investment types that are growing in popularity: Listed Investment Companies and Exchanged Traded Funds.

How does a retail investor access stocks before listing?

A reader wants to know how to access company floats before their listing on the ASX. Roger Montgomery explains it's probably a closed shop, but you can often wait until the market becomes bored and buy better.

More questions on QE

With the 'tapering' finally announced last night, it's as important as ever to understand what's happening. So when Rick Cosier asked some of the questions many would like answered, Warren Bird obliged.

Are income funds just arbitrage funds?

Australian equity income funds have become extremely popular as investors look for yield and income, but are they arbitrage funds by another name? Rudi Minbatiwala of the Colonial First State Equity Income Fund responds.

How risky are bank hybrids and are they misrepresented?

The search for yield has driven retail investors into billions of dollars of hybrids that could not be sold to wholesale investors at these levels. Is the full picture being told to the retail market?

Caveat Emptor? Your criticisms of financial products answered by the manufacturers

This week, we answer four of your Caveat Emptor questions on our website. Send us your criticism or concerns about a financial product, and we'll ask an expert to respond. Write to us at [email protected].

The float of Nine Entertainment

Investment manager Kieran Kelly gives his assessment of the Nine Entertainment IPO, and he's not impressed at the asking price.

Inflation linked bonds

Do long dated inflation linked bonds help the investor in a rising interest rate environment? Elizabth Moran of FIIG Securities responds to our reader.

Bond investing as rates rise

Warren Bird argues it is fine to invest in bonds if rates are rising, if you restrict the term to less than five years and enjoy reinvesting at higher rates.

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Australia's retirement system works brilliantly for some - but not all

The superannuation system has succeeded brilliantly at what it was designed to do: accumulate wealth during working lives. The next challenge is meeting members’ diverse needs in retirement. 

Australian stocks will crush housing over the next decade, 2025 edition

Two years ago, I wrote an article suggesting that the odds favoured ASX shares easily outperforming residential property over the next decade. Here’s an update on where things stand today.

The 3 biggest residential property myths

I am a professional real estate investor who hears a lot of opinions rather than facts from so-called experts on the topic of property. Here are the largest myths when it comes to Australia’s biggest asset class.

AFIC on the speculative ASX boom, opportunities, and LIC discounts

In an interview with Firstlinks, CEO Mark Freeman discusses how speculative ASX stocks have crushed blue chips this year, companies he likes now, and why he’s confident AFIC’s NTA discount will close.

Where to hide in the ‘everything bubble’

It might not be quite an ‘everything bubble’ but there’s froth in many assets, not just US stocks, right now. It might be time to stress test your portfolio and consider assets that could offer you shelter if trouble is coming.

Property versus shares - a practical guide for investors

I’ve been comparing property and shares for decades and while both have their place, the differences are stark. When tax, costs, and liquidity are weighed, property looks less compelling than its reputation suggests.

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