It’s not surprising that research shows high levels of satisfaction for self managed portfolios, as investors are effectively rating themselves. Regardless of the reason, few SMSFs will return to an institutional fund.
Australia has an enormous opportunity to build a world-class decumulation system that gives individuals security and flexibility in retirement, but it’s different from the accumulation phase.
The Reserve Bank has three early warning signals for financial instability in a sector: rapid growth; a target for spruikers; and a potential investor protection issue. SMSFs tick every box.
The reported profit that any insurer can make is largely an accounting construct. Actuaries estimate the profile of claims that policy holders are expected to make in the future.
Great speculative mining booms occur about once every 30 years or so in Australia. This year marks the conclusion of my decade-long plunge into mining stocks. I will probably be very old or gone before the next price surge.
A dark pool is an off-market exchange where traders buy and sell without revealing their identities. Seth Merrin of Liquidnet explains how his company operates in 42 countries matching the orders of 750 institutional members.
With such political uncertainty in the US, it’s one of those times when “I don’t know” should be a more common response from commentators and analysts. They’re too dismissive of the potential for poor outcomes.
It’s easy to forget how severe the GFC was in destroying confidence and locking up markets. There was a genuine fear that the world was such a toxic place that no credit could be trusted.
When the GFC hit Europe, a billion dollars of notes we had on issue matured over the following months without a single rollover at any price. It confirmed the need for diversified funding sources for every major borrower.
Life annuities is a product with theoretical appeal but it does not gather significant market acceptance. These behavioural reasons need to be addressed before substantial increases in sales occur.
Your age pension entitlement is assessed under the Income Test, and it may be worth re-setting the deductible amount to improve your pension payments if it’s been a while since the last calculation.
The main benefit of a Transition to Retirement (TTR) pension when under age 60 is not the cash flow from the pension, but income earned in the fund on the investments supporting the TTR pension is tax free.
Residential property for investment purposes can be valued like any other financial asset that produces a series of cash flow.
Australia’s superannuation system has been judged to be the third best retirement system in the world. This is a good result, but Denmark’s system shows how the judges think it can be improved.
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