It is inequitable for the ATO to require an SMSF to make advance payments of the estimated tax for the year, but not pay refunds in advance based on estimated franking credits.
Thinking differently about how to get the best out of your super means taking time to talk through the options that meet your personal needs, and making it work for you. And don’t associate ‘pension’ with ‘old age’.
Aspiring to best practices in risk management is not simply a matter of calculating volatility or risk reporting. It is critical to protecting financial outcomes.
The affordability of seeing a movie, or cost of driving to the movie theatre, has not changed much over the 32 year period from 1981 to 2013. But the same cannot be said for ticket prices of concerts featuring aging rockers.
Risk means different things to different people, and there is a misallocation of resources, energy and intellect across the superannuation industry (and investment industry more broadly) to address risk.
Living longer does not necessarily translate into financial freedom. The hope is that you can work longer and therefore have more savings for your retirement, but people have less income-earning years.
There is a significant leadership opportunity for super funds to manage real return risk, where the inflation risk represents a potential erosion of retirement outcomes.
Super funds should provide a calculation of a member’s actual average return over their period of membership based on their own personal cash flow of contributions and fees experienced.
The Australian businesses likely to succeed in the Asian century are those that provide goods or services to the 3.2 billion middle-class consumers living in Asia within 15 years.
This will challenge your way of thinking: Australia is one of the smallest exporters as a percentage of GDP in the world, and therefore one of the least reliant on exports for our national income. But we’re addicted to imports.
Investors in term deposits have taken major risks without realising it. As interest rates have fallen, people who expected term deposits to give them a reliable income stream are facing a challenging time.
A new charity regulator was established a few months ago, and thousands of directors and trustees of foundations and not-for-profits need to understand the implications.
As more Australians move from the accumulation saving to retirement spending, it is vital that planners and product providers realise Australian retirees’ needs have changed.
A good life balance is about setting priorities. Some people love work, it energises them, it adds meaning to their life. But it can be a disaster if they lose sight of other priorities.
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