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30 June 2022
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In solving problems relating to conflicts of interest, comprehensive financial advice will be increasingly confined to the wealthy. Advisers respond plus comments by Perpetual's Adam Curtis.
In solving problems relating to conflicts and best interest duties, comprehensive financial advice has become so expensive that it will be increasingly confined to the wealthy. Is that what we want?
Statements by Brian Hartzer, CEO of Westpac, confirm that financial advice delivered by advisers to the mass market is not financially viable, and technology is the solution if most Australians are not to miss out.
In a response to Graham Hand's article on why roboadvice is struggling, the case is made that conventional financial advice will increasingly confine itself to the wealthy, and the mass market needs another solution.
There are at least 20 businesses in Australia operating in 'roboadvice', yet it takes large scale to make these businesses profitable. Most will not make it independently and will need to choose another path.
In Part 2 on roboadvice, we interview the CEO of a business that started out with the resources and ideas to deliver better outcomes to consumers, but decided to pivot away.
On 21 June 2018, Raiz Invest (formerly Acorns) listed on the ASX, valuing the company at $119 million. How does this 'micro investing' platform stack up as a place to invest or buy shares in the company itself?
A former professional footballer draws five lessons from his sporting life into his current career in finance. Success in one year in no way ensures that the next time will be any easier.
Despite the publicity and hype and almost a decade of operation, robo advice businesses in the US have gathered less than 0.1% of assets under management. Why is adoption much slower than expected?
Good financial advice requires finding out a lot about an investor, in the same way a good relationship involves more than a few online questions.
Impact investing is moving out of the fringe and into mainstream investing, and the trend is supported by millennials who will soon benefit from a massive wealth transfer.
Even when companies are burdened by legacy systems, Robotic Automation can create a new integration process to feed a greater number of services or data points into roboadvice or other wealth channels.
With 62% of Australians aged 65 and over relying at least partially on the age pension, are they better off owning their home or renting? There is an extra pension asset allowance for those not owning a home.
With 700 Australians retiring every day, retirement income solutions are more important than ever. Why do millions of retirees eligible for a more tax-efficient pension account hold money in accumulation?
A fund manager argues it is immoral to deny poor countries access to relatively cheap energy from fossil fuels. Wealthy countries must recognise the transition is a multi-decade challenge and continue to invest.
Equity investing comes with volatility that makes many retirees uncomfortable. A focus on income which is less volatile than share prices, and quality companies delivering robust earnings, offers more reassurance.
At around 10.30pm on Saturday night, Scott Morrison called Anthony Albanese to concede defeat in the 2022 election. As voting continued the next day, it became likely that Labor would reach the magic number of 76 seats to form a majority government.
Using the nine dimensions of well-being used by the OECD, and dividing Australians into Baby Boomers, Generation Xers or Millennials, it is surprisingly easy to identify the winners and losers for most dimensions.