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Financial System Inquiry

1-12 out of 16 results.

The saga of FoFA (so far) - a reprise from 2014

Following the Ripoll Inquiry in November 2009, the Labor Government formulated the Future of Financial Advice proposals. A lot has happened since, and the Royal Commission is dealing with the consequences.

Superannuation and the budget (written pre-budget)

The quality of life for retirees and future tax-payers will rest on achieving a fiscal balance between supporting the aspiration of more self-reliant retirees and the continuation of a strong social safety net.

My 'purpose of super' is probably not yours

One problem with defining a single and universal purpose of superannuation is that people have contributed to super for years, even decades, with different ideas and intentions.

Retirement: Making income the outcome

To give superannuation the best chance of providing the desired retirement income, it makes sense to manage for the relevant risks over time and protect investments from inflation.

CIPRs are coming and that’s exciting

Comprehensive Income Products for Retirement, or CIPRs, are almost a reality and there is much excitement around what this means for superannuation and retirement outcomes.

Retirement income products - what's ideal?

The superannuation industry has grappled with how to offer attractive retirement solutions, but lessons from overseas suggest some form of risk sharing to cover variable life expectancy will be needed.

The comprehensive income product for retirement

The idea behind comprehensive income products for retirement, or CIPRs, is to provide retirees with a product that can generate a good income, manage risks and remain flexible. We need a scorecard to understand them better.

Back to the future with Murray's super objective

The FSI’s recommendation that the super industry should re-focus on the achievement of a retirement income, rather than just building a lump sum, is what defined benefit schemes were all about.

Has the FSI missed the elephant in the room?

The FSI makes some important recommendations which would improve the super industry if implemented. However, the trade-off between return and risk is largely left untouched - it's an important opportunity missed.

What will super look like in 40 years?

David Murray and Don Russell spoke at a leadership forum as part of the SMSF Association's 2015 Conference on the future of Australia’s retirement income system. They included many valuable insights.

What might the Tax White Paper say on imputation and CGT?

A question from one of our readers on whether the (delayed) Tax White Paper will result in changes to the dividend imputation and capital gains tax systems.

David Murray moves the goalposts

The highlights are a prohibition on borrowing by super funds, change 'general advice' to another name and consider a default super fund tender process. Joe Hockey now faces some big decisions.

Most viewed in recent weeks

Unexpected results in our retirement income survey

Who knew? With some surprise results, the Government is on unexpected firm ground in asking people to draw on all their assets in retirement, although the comments show what feisty and informed readers we have.

Three all-time best tables for every adviser and investor

It's a remarkable statistic. In any year since 1875, if you had invested in the Australian stock index, turned away and come back eight years later, your average return would be 120% with no negative periods.

The looming excess of housing and why prices will fall

Never stand between Australian households and an uncapped government programme with $3 billion in ‘free money’ to build or renovate their homes. But excess supply is coming with an absence of net migration.

Five stocks that have worked well in our portfolios

Picking macro trends is difficult. What may seem logical and compelling one minute may completely change a few months later. There are better rewards from focussing on identifying the best companies at good prices.

10 reasons wealthy homeowners shouldn't receive welfare

The RBA Governor says rising house prices are due to "the design of our taxation and social security systems". The OECD says "the prolonged boom in house prices has inflated the wealth of many pensioners without impacting their pension eligibility." What's your view?

Six COVID opportunist stocks prospering in adversity

Some high-quality companies have emerged even stronger since the onset of COVID and are well placed for outperformance. We call these the ‘COVID Opportunists’ as they are now dominating their specific sectors.

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