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Superannuation Funds

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Short version of future returns article: dreamin' on

A summary of an important message on the vibe of future returns. Super balance calculations default to earnings rates of 7.5%, but that's in the past. Planning needs a more realistic view.

The vibe of future returns: tell ‘em they’re dreamin’

It's the vibe, but not much else. Super balance calculations default to earnings rates of 7.5%, but that's in the past. Global experts suggest financial plans are now dreaming at this level.

The moral hazard of a national super fund

If billions of dollars of retirement savings were lost by a government agency in a national super scheme, the cost and risk would be passed back to the government and ‘caveat emptor’ would be history.

Checking the temperature of the APRA heatmap

The APRA MySuper heatmap uses a consistent methodology, and some funds come out badly. How will members and trustees react, and should APRA have sorted out the problems privately? 

ATO to shine spotlight on poor SMSF investment data

Although SMSFs are the largest segment of the $3 trillion super industry, the data on asset allocation is poor. There are signs the ATO is finally looking to fix its data collection.

Is good IPO access worth the costs involved?

Many large investors pay higher brokerage fees, hoping to gain favour with brokers to gain access to IPOs. Are rare IPO gains worth the loss of quality execution at the best price every day?

10 reasons the ‘10 Best in Show’ is ill-suited

Selecting 10 winners from hundreds of alternatives presents major challenges, and there are no guarantees past performance will continue. It mainly targets only $1 billion from the $150 billion contributed each year.

Labor's franking policy is a ticking bomb for all super funds

Labor's franking proposal could affect many more super funds than expected, not only SMSFs, depending on the allocation to Australian shares, their franking and the percentage of assets in pension phase.

Three drivers of attractive infrastructure opportunities

Chronic under-spending, public expectations for improvement and strained government budgets are placing an onus on public equity markets to help the world meets its rapidly growing infrastructure needs.

How to make in-house investment management work

Large superannuation funds are increasingly adopting in-house management of investments. There are many potential benefits, but the decision needs a framework and careful consideration.

Large funds need to earn retirement loyalty

A clear challenge for superannuation funds is improving customer loyalty as they transition from accumulation phase to pension phase. There is not enough urgency in addressing member retention at this crucial moment.

Super fund directors and Independents’ Day

The mandating of independent directors for Australian super funds is facing resistance. While it's difficult to define 'independence', global experts on board governance provide support for the government's stance.

Most viewed in recent weeks

11 lessons from my lousy $50K profit on Afterpay

Afterpay listed at $1 in 2016 and traded recently at $70. How should an investor treat a small holding in a 70-bagger when each new level defies the experts? Should true believers let the profits run?

How much bigger can the virus bubble get?

Stocks have rallied hard creating a virus bubble, but will this run for years or collapse in a matter of months? The market is giving a second chance to leave so head for the exit before there's a rush.

Which companies will do well in the turmoil of 2020?

While the shutting of Australia’s borders to international travellers and quarantine measures is damaging to certain sectors of the economy, it is not uniformly negative for all companies.

Share trading is the new addiction

The ability to buy and sell cheaply and quickly in small parcels is both the biggest drawback and benefit of shares. But it encourages people who should not go near the market to use it as a casino.

What is happening with SMSFs? Part 1

Taking a realistic view of the median ‘operating expense’ of an SMSF shows they cost less to run than previously claimed. Look at this granular breakdown and see how the costs of running your SMSF compare.

Why are we convinced 'this time it's different'?

Investors tend to overstate the impact on investments when something significant happens and they assume the future will be different. COVID-19 has been dramatic, but is it really that unusual?

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