Author Archive | Andrew Gale

retirement income

Retirement saving and age pension black holes

It’s surprising there has not been more outcry about the age pension taper test in a low rate environment, where a ‘black hole’ creates a perverse impact of less retirement income the more a retiree has saved.

More SMSF myths debunked

Continuing from last week’s article on superannuation myths, here’s another five myths relating SMSFs. Separating fact from fiction is a good first step towards effective discussion and informed policy.

Four big fat myths of superannuation

We hear about what’s wrong with our superannuation and retirement income systems and over time, exaggeration has crept in. We need to dispel myths and have a clear fact base as the foundation for discussion and policy.

A better approach to post-retirement planning

Retirees should consider the best mix of capital preservation, income variability and income requirements, and then be shown how these can be traded against each other with varying degrees of probability.

Accounting may finally be sexy

Accountancy practices have been a poor second cousin to financial planning businesses in terms of sale price and merger and acquisition activity. Here’s why that might change soon.