The superannuation essentials

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.

‘Volatility’ – what volatility?

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.

To be perfectly franked, and pay no tax

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.

Will the new rules for financial advice make a difference?

From 1 July 2013, investment managers and platforms will be banned from paying commissions to financial advisers on new business. This should have happened years ago, but the industry’s tardiness has resulted in additional regulations on advice fees that are deducted from clients’ accounts.

An introduction to lifecycle theory

Lifecycle theory is one of the more exciting and applicable research fields in financial academia yet it receives little discussion in Australia’s superannuation industry. The findings have the potential to improve outcomes for Australian households.

Managing charity funds should not be a risky business

The failure of charitable donations to reach the intended use due to adverse investment returns is a poor outcome, which may damage a charity’s reputation and result in much lower donations in the future. This is highly relevant to the design of a charity’s investment policy.

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