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Why our Torrens title property system hasn't been adopted elsewhere

Far from an outdated relic, Torrens title appears to be the revolutionary, cheap, low-risk way to handle property dealings. Here's a look at why this Australian invention from the 1850s hasn't caught on more widely.

Solvency risk with lifetime annuity providers

Any discussion on annuities needs to address the credit risk associated with relying on the solvency of a single insurer. Here's a guide on the regulation of annuities and the best ways to assess solvency risk. 

SMSF trustees may lose insurance after super changes

If you have been maintaining a small inactive superannuation fund purely for insurance purposes, you need to act quickly to avoid losing cover which might be difficult to replace.

Three personal lessons from my European trip

My trip to Malta and Italy produced many great memories, but did I really enjoy the experience? As the Nobel Laureate says: “We go on vacations to a very large extent in the service of our remembering self.” 

How to access terminal illness benefits

Most people think of super access in terms of age, but when life deals a cruel blow, the rules allow members early access subject to certain conditions. It's a valuable safety net.

Understanding disability insurance in super

Disability insurance can be either inside or outside of superannuation. There are premium, payout amount and tax consequences of those decisions that should be analysed to achieve the best cover.

The risks of dropping personal insurance

The way insurance payments are made can have a significant impact on the overall cost of personal cover, and knowing future premiums helps manage the risk of losing insurance when most needed.

How super changes impact insurance and estate planning

Super fund members should review their estate plans and insurance arrangements in light of the new transfer balance cap rules.

The most complex super system in the world

Australia has a world-class superannuation system, but it is also the most complex. From insurances to estate provisions to the many different forms of contributions and withdrawals, we should try to 'keep it simple'.

Key changes for SMSFs and new ATO powers

It's not just super contribution limits that have changed since 1 July. The ability to provide insurance policies through SMSFs has been redefined and the ATO can now utilitse new administrative penalty powers.

The insurance essentials

Protecting your wealth and standard of living is just as important as building it in the first place. You are gambling with your financial future if you do not have adequate insurance.

The superannuation essentials

Superannuation was introduced to encourage people to save for their retirement, and this article explains that despite some recent criticism of performance, super remains a highly effective savings vehicle.

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Which generation had it toughest?

Each generation believes its economic challenges were uniquely tough - but what does the data say? A closer look reveals a more nuanced, complex story behind the generational hardship debate. 

Maybe it’s time to consider taxing the family home

Australia could unlock smarter investment and greater equity by reforming housing tax concessions. Rethinking exemptions on the family home could benefit most Australians, especially renters and owners of modest homes.

The best way to get rich and retire early

This goes through the different options including shares, property and business ownership and declares a winner, as well as outlining the mindset needed to earn enough to never have to work again.

A perfect storm for housing affordability in Australia

Everyone has a theory as to why housing in Australia is so expensive. There are a lot of different factors at play, from skewed migration patterns to banking trends and housing's status as a national obsession.

Supercharging the ‘4% rule’ to ensure a richer retirement

The creator of the 4% rule for retirement withdrawals, Bill Bengen, has written a new book outlining fresh strategies to outlive your money, including holding fewer stocks in early retirement before increasing allocations.

Simple maths says the AI investment boom ends badly

This AI cycle feels less like a revolution and more like a rerun. Just like fibre in 2000, shale in 2014, and cannabis in 2019, the technology or product is real but the capital cycle will be brutal. Investors beware.

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