We will have a significant retirement funding problem for at least the next 30 years. We need super to reduce the future tax burden on those employed who will be asked to support an ageing population.
If ‘SMSF’ were a corporate brand, its marketing department would be the most successful in superannuation history. The major retail funds always had a strong response to SMSFs in their kit bag, but they didn’t explain it to enough customers.
Protecting your wealth and standard of living is just as important as building it in the first place. You are gambling with your financial future if you do not have adequate insurance.
The arithmetic mean of the annual returns of the ASX/S&P200 since 1980 is 13.9% per annum, while the geometric mean is 11.6% per annum. This is an annual 2.3% gap. Which returns have you been watching?
Google searches for ‘term deposits’ peaked in late 2009, and since 2011 have been in steady decline. At the beginning of 2013, the searches for term deposits are at their lowest for five years.
I never expected Self Managed Super Funds (SMSFs) to become the largest segment of super. They were almost an afterthought added to the legislation as a replacement for defined benefit schemes. Here’s why it happened.
The value in good financial planning is understanding a client’s needs and setting and adhering to a realistic long-term strategy to achieve a desired outcome for the client. That is worth paying for.
Unwittingly, you are probably a speculator rather than an investor and this series of articles will encourage you to turn your back on speculating forever.
The sad fact is the government guarantee on deposits does not apply for individuals investing in deposits offered by public superannuation funds.
Superannuation was introduced to encourage people to save for their retirement, and this article explains that despite some recent criticism of performance, super remains a highly effective savings vehicle.
Each week, we load words into Google Trends, which shows how often a particular search term has been googled since 2004, and makes a forecast for next year. This week: SMSF.
What a time to launch a superannuation website and newsletter! The super, advice and investing landscape is facing more game-changers at the moment than at any time since the introduction of compulsory super in 1992.
If we ignore the media hype and look at the facts, 2012 was in fact a wonderful year for the equity market. Not only great returns, but surprisingly low volatility and few large down days. 2012 was the calmest year since 2005.
Kerry Packer openly admitted that he managed his companies to minimise their tax bills. He would have loved superannuation and franking credits. A super fund needs only 32% of its assets allocated to fully franked shares to pay no income tax on its entire portfolio.
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