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Wednesday, 27 October 2021
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The overhaul of financial advice practices affects not only advisers but also their clients. Legislative changes are coming by mid next year and too few people are considering them.
Financial advice commissions and grandfathering have become among the more contentious issues at the Royal Commission. Here's everything you need to know about where they came from but were afraid to ask.
Grandfathering and the implications for commissions has become a major flash point, and the Royal Commission is focussing on problems created when advisers are given the wrong incentives.
We tend to forget that house prices often fall. Direct lending controls are more effective than rate rises because macroprudential limits affect the volume of money for housing leaving business rates untouched.
The survey drew a fantastic 2,000 responses with over 1,000 comments and polar opposite views on what is good policy. Do most people believe the home should be in the age pension asset test, and what do they say?
Any policy decision needs to recognise who is affected by a change. It pays to check the data on who pays taxes, who owns assets and who earns the income to ensure an equitable and efficient outcome.
With articles on the pensions assets test read about 40,000 times, 3,500 survey responses and thousands of comments, there was a lot of great reader participation. A few comments added extra insights.
It is hard to think of any area of widespread public concern where the same policies have been pursued for so long, in the face of such incontrovertible evidence that they have failed to achieve their objectives.
There are reasons to believe inflation will stay under control, and although we may see a slowing in the global economy, two companies should benefit from the themes of 'Stable Compounders' and 'Structural Winners'.