The changes to superannuation rules make rolling over an estate into a surviving spouse’s pension account less attractive, reviving a role for testamentary trusts.
When markets deliver lower returns, investors need to save more, learn about investments and stay the course to achieve their retirement goals. Diversification is an effective way to weather uncertain times.
Subordinated debt issues are a less risky investment than capital notes and hybrids, but each transaction is different and not riskless. The current issue of NAB Subordinated Notes is just one example.
In light of the coming superannuation changes, advisers are considering alternative opportunities to retain some of the benefits, although each should be carefully checked.
There is much industry debate on the minimum size to make an SMSF worthwhile, and the range of costs can add up. A recent study of SMSF performance highlights the difference size can make.
Almost every day, there is a new and exciting fintech announcement of the next big thing. Some checks improve the chances of finding the financial services winners.
Articles from previous editions
Investors celebrated when the Dow broke through the 20,000 mark last month, but in real terms, it’s a more sobering picture. Australian stocks in particular are struggling to reach their previous heights.
Monica answers questions on her article on the $1.6 million cap. As she will be unable to answer more questions directly for a while, consider registering for her upcoming webinar.
Issued just 18 months apart, two of CBA’s preference share issues, PERLS VII and PERLS VIII, experienced vastly different market receptions and showed hybrids can also be volatile.
Centrelink is facing a robo-debt backlash after using computers to check ATO records, replacing the usual human interaction. Likewise, roboadvice algorithms need to know more about the circumstances of clients.
A response to Graham Hand’s article on lessons for roboadvice, explaining how enhancements to digital wealth management are embracing the adjacent role of human advisers.
Housing affordability is a political no-go zone although the longer term survival of negative gearing is doubtful. The ATO is keeping a close watch on agents to check whether property is selling to foreign investors.
The ATO’s annual statistics on superannuation assets shows that SMSFs continue to grow but not as quickly as institutional funds, as the older age demographics of SMSF retirees made less net contributions.
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