How people behave and react can have a significant impact on their overall success as an investor. It pays to understand your own emotional responses.
It’s time to conduct a detailed financial review of your tax affairs, focusing on your marginal tax rate, delaying receipts and advancing expenditures. Two weeks from now, it will be too late for another year.
The big global trends in funds management are a move from equities to fixed interest, from active to index, a reduction in fund commissions, and increased dominance of the biggest managers.
The biggest threat to a retirement portfolio is loss of value in real terms. The superannuation industry should focus on real returns and real volatility before inflation strikes again.
The Oath has laudable aims which everyone in the banking and finance industry should support. But the public will take some convincing, and maybe some executives are not believers either.
How do you determine annual spending for retirement, endowments or charities over a long horizon when investment income and the market value of assets fluctuate substantially from year-to-year?
Your retirement could quickly become very different if an accident to your children left you caring for your grandchildren. Consider some strategies to manage your ‘sphere of risk’.
There’s an ongoing debate about income inequality and personal income tax. Looking at the numbers, 45% of Australian adults pay no personal income tax, while 1.5% of adults pay 26% of income tax.
Nassim Taleb argues we live in a fat-tail world where extreme events are common, while our ability to predict them is nil. Superannuation funds should run extreme stress tests and manage the results.
It is the direction of interest rates rather than the absolute level of interest rates that seems to be a substantive driver of equity returns. Prior to the 1970s, rising interest rates meant poor future equity market returns.
One of the world’s leading pensions experts discusses the obligations of trustees, the design of pensions, the responsibility to actively manage a portfolio, and how to handle a low interest rate environment.
Real returns, which are simply the return relative to inflation, measure the growth in purchasing power of a portfolio of assets. So why does almost everyone use nominal returns and mislead investors?
Investors are often confused about the difference between a revenue profit and a capital gain, and which type of loss can be applied against which gain. Better find out before 30 June.
Michael Porter’s ‘Shared Value’ is about creating value for both business (financial) and society (impact). It’s proactive, not reactive. And investment managers are in his sights.
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