3 May 2024

Recently trending

2024/25 super thresholds – key changes and implications Five months on from cancer diagnosis Uncomfortable truths: The real cost of living in retirement Is Australia ready for its population growth over the next decade?Why LICs may be close to bottoming

Noel Whittaker, author and financial adviser: "A fabulous weekly newsletter that is packed full of independent financial advice."

Reader: "Best innovation I have seen whilst an investor for 25 years. The writers are brilliant. A great publication which I look forward to."

Eleanor Dartnall, AFA Adviser of the Year, 2014: "Our clients love your newsletter. Your articles are avidly read by advisers and they learn a great deal."

Reader: "I can quickly sort the items that I am interested in, then research them more fully. It is also a regular reminder that I need to do this."

Steve: "The best that comes into our world each week. This is the only one that is never, ever canned before fully being reviewed by yours truly."

Andrew Buchan, Partner, HLB Mann Judd: "I have told you a thousand times it's the best newsletter."

Don Stammer, leading Australian economist: "Congratulations to all associated. It deserves the good following it has."

Ian Kelly, CFP, BTACS Financial Services: "Probably the best source of commentary and information I have seen over the past 20 years."

Reader: "Keep it up - the independence is refreshing and is demonstrated by the variety of well credentialed commentators."

Reader: "The BEST in the game because of diversity and not aligned to financial products. Stands above all the noise."

Professor Robert Deutsch: "This has got to be the best set of articles on economic and financial matters. Always something worthwhile reading in Firstlinks. Thankyou"

John Pearce, Chief Investment Officer, Unisuper: "Out of the (many many) investmentrelated emails I get, Cuffelinks is one that I always open."

Reader: "Congratulations on a great focussed news source. Australia has a dearth of good quality unbiased financial and wealth management news."

Reader: "Is one of very few places an investor can go and not have product rammed down their throat. Love your work!"

Scott Pape, author of The Barefoot Investor: "I'm an avid reader of Cuffelinks. Thanks for the wonderful resource you have here, it really is first class."

Reader: "Carry on as you are - well done. The average investor/SMSF trustee needs all the help they can get."

Australian Investors Association: "Australia's foremost independent financial newsletter for professionals and self-directed investors."

Reader: "Great resource. Cuffelinks is STILL the one and only weekly newsletter I regularly read."

Rob Henshaw: "When I open my computer each day it's the first link I click - a really great read."

Jonathan Hoyle, CEO, Stanford Brown: "A fabulous publication. The only must-read weekly publication for the Australian wealth management industry."

Reader: "I subscribe to two newsletters. This is my first read of the week. Thank you. Excellent and please keep up the good work!"

John Egan, Egan Associates: "My heartiest congratulations. Your panel of contributors is very impressive and keep your readers fully informed."

Reader: "Love it, just keep doing what you are doing. It is the right length too, any longer and it might become a bit overwhelming."

Reader: "It's excellent so please don't pollute the content with boring mainstream financial 'waffle' and adverts for stuff we don't want!"

Reader: " Finding a truly independent and interesting read has been magical for me. Please keep it up and don't change!"

Reader: "An island of professionalism in an ocean of shallow self-interest. Well done!"

David Goldschmidt, Chartered Accountant: "I find this a really excellent newsletter. The best I get. Keep up the good work!"

Ian Silk, CEO, AustralianSuper: "It has become part of my required reading: quality thinking, and (mercifully) to the point."

Home / 142

Edition: 142

1-7 out of 7 results.

Edition 142

12 February 2016

These jittery markets remind us how difficult it is to estimate how much anyone needs in superannuation. Few people know how long they will live and what returns they will achieve, and wealth is also held outside of super. It's not surprising that recent CSIRO research shows most retirees only draw down the mandated minimums on their pensions, as they live on other resources and attempt to preserve their super.

Safe withdrawal rates for Australian retirees

Anthony Serhan
11 February 2016
20

The notion of the '4% rule' for drawing retirement income was devised in a much different economic environment than today. 'Safe' withdrawal rates may not be safe enough if certainty is required.

How to read RBA interest rate decisions

Warren Bird
11 February 2016
1

The RBA follows a fairly standard formula when drafting its interest rate announcements each month and a keen observer might detect a change in view before an actual change in interest rates.

Do 'January' results foretell the full year for equities?

Ashley Owen
11 February 2016

A final look at the 'January effect' to analyse whether the market's first month performance predicts the share market's likely year-end returns, and why Australia is different from the US.

China’s paradigm shift and why I’m (still) cautiously bullish

Brian Ingram
11 February 2016

Recent economic volatility in China could signal an important social shift - one which could actually drive China’s future growth and transform the country’s economic model.

The merits of reversionary versus non-reversionary pensions

Monica Rule
11 February 2016
4

Due to the complexity of superannuation law, it can be easy for SMSF trustees to miss out on some opportunities, including the use of reversionary pensions for tax and estate planning benefits.

Hello from the other side of Asia

Graham Hand
11 February 2016

Sri Lanka, Bali and Singapore do not receive the focus of their Asian neighbours in China, India and Japan, but they are undergoing fascinating changes which warrant a closer and more personal visit.

Firstlinks is sponsored by:

Most viewed in recent weeks

2024/25 super thresholds – key changes and implications

The ATO has released all the superannuation rates and thresholds that will apply from 1 July 2024. Here's what’s changing and what’s not, and some key considerations and opportunities in the lead up to 30 June and beyond.

Julie Steed
27 March 2024

Five months on from cancer diagnosis

Life has radically shifted with my brain cancer, and I don’t know if it will ever be the same again. After decades of writing and a dozen years with Firstlinks, I still want to contribute, but exactly how and when I do that is unclear.

Graham Hand
3 April 2024

Uncomfortable truths: The real cost of living in retirement

How useful are the retirement savings and spending targets put out by various groups such as ASFA? Not very, and it's reducing the ability of ordinary retirees to fully understand their retirement income options.

Kaye Fallick
24 April 2024

Is Australia ready for its population growth over the next decade?

Australia will have 3.7 million more people in a decade's time, though the growth won't be evenly distributed. Over 85s will see the fastest growth, while the number of younger people will barely rise.

Simon Kuestenmacher
10 April 2024

Why LICs may be close to bottoming

Investor disgust, consolidation, de-listings, price discounts, activist investors entering - it’s what typically happens at business cycle troughs, and it’s happening to LICs now. That may present a potential opportunity.

James Gruber
27 March 2024

The public servants demanding $3m super tax exemption

The $3 million super tax will capture retired, and soon to retire, public servants and politicians who are members of defined benefit superannuation schemes. Lobbying efforts for exemptions to the tax are intensifying.

Dimitri Burshtein
17 April 2024

Alliances

Site Map

About Firstlinks

Disclaimer
The data, research and opinions provided here are for information purposes; are not an offer to buy or sell a security; and are not warranted to be correct, complete or accurate. Morningstar, its affiliates, and third-party content providers are not responsible for any investment decisions, damages or losses resulting from, or related to, the data and analyses or their use. To the extent any content is general advice, it has been prepared for clients of Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892), without reference to your financial objectives, situation or needs. For more information refer to our Financial Services Guide. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Articles are current as at date of publication.
This website contains information and opinions provided by third parties. Inclusion of this information does not necessarily represent Morningstar’s positions, strategies or opinions and should not be considered an endorsement by Morningstar.