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Edition: 185

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Edition 185

  • 9 December 2016

Our superannuation system should be as simple to understand as possible, to encourage people to use it and trust it and save for their retirement, but the latest round of changes has introduced new levels of complexity. Jonathan Hoyle and Diana Chan think it's an early Christmas present for financial planners from Santa Scott Morrison, and they highlight the critical issues.

Five questions after Super Scott’s Santa surprise

Does the Treasurer realise the extent of the super 'gift' he has delivered to financial planners for Christmas? We're beginning to understand how complex the system has now become.

When an SMSF member becomes disqualified

When an SMSF member becomes a disqualified person, it's time to act. The law allows a window of only six months for the SMSF to address the issue and become compliant again, but it's rarely an easy process.

What do different types of bond yields mean?

The yield quoted for a bond can be calculated in many different ways, depending on its characteristics or the investment horizon of the bond holder. Which yield are you buying?

SAFs can provide powerful estate planning solutions

The last article in our series on small APRA funds explains how SAFs can provide estate planning solutions in unique circumstances, including blended families, second marriages and adult children with special needs.

Buffett on inflation and equity investing

It might be intuitive to think shares are more resilient to the effects of inflation than other asset classes, but as Warren Buffett warned in 1977, it could work the other way.

Exchange traded products in 2016 and a look ahead

Exchange traded products have had another strong year of growth in 2016. Their popularity with investors, both in Australia and globally, is driving innovation and it will continue in 2017.

Your best reads of 2016

It will soon be the time of year when people turn their mind to some casual reading and enjoy a quiet moment. Tell us the best book you read in 2016. It could be an oldie or a newie, but let's get a reading list going.

Most viewed in recent weeks

Are term deposits attractive right now?

If you’re like me, you may have put money into term deposits over the past year and it’s time to decide whether to roll them over or look elsewhere. Here are the pros and cons of cash versus other assets right now.

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.

Where Baby Boomer wealth will end up

By 2028, all Baby Boomers will be eligible for retirement and the Baby Boomer bubble will have all but deflated. Where will this generation's money end up, and what are the implications for the wealth management industry?

How retiree spending plummets as we age

There's been little debate on how spending changes as people progress through retirement. Yet, it's a critical issue as it can have a significant impact on the level of savings required at the point of retirement.

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. 

20 US stocks to buy and hold forever

Recently, I compiled a list of ASX stocks that you could buy and hold forever. Here’s a follow-up list of US stocks that you could own indefinitely, including well-known names like Microsoft, as well as lesser-known gems.

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