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22 December 2024
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What is an appropriate retirement age for the times? Some sage advice from ASIC to SMSFs. Lifecycle funds, product innovation within managed funds, and realistic sharemarket expectations.
In 1909, there were 15 workers for every retiree, but by 2025 it will be down to only 3.5 workers. But we're still defining 'retiree' as over 65. Using dynamic retirement age principles gives a brighter perspective on old age dependency.
The Stronger Super reforms have significantly raised the profile of lifecycle funds by legitimising their use as a single investment strategy for MySuper products. But are lifecycle funds any better than normal balanced funds?
Sit through a dozen fund manager presentations and they all start to sound the same. There's been little significant innovation in the managed funds industry in the last 15 years. Why is this and what are the consequences?
An investment strategy and its appropriate ‘strategic asset allocation’ should balance what you are hoping to achieve against the risk of adverse outcomes along the way. It calls for honesty, realism and the right risk tolerance.
In Cuffelinks on 2 April 2013, we posted an article on bank liquidity. Alun Stevens, Principal at Rice Warner Actuaries, took issue with some of the conclusions, and a lively debate followed. Warning: very long and technical.
It’s with heavy hearts that we announce Firstlinks’ co-founder and former Managing Editor, Graham Hand, has died aged 66. Graham was a legendary figure in the finance industry and here are three tributes to him.
Last year, I wrote an article suggesting returns from ASX stocks would trample those from housing over the next decade. One year later, this is an update on how that forecast is going and what's changed since.
Australia is in the early throes of an intergenerational wealth transfer worth an estimated $3.5 trillion. Here's a case study highlighting some of the challenges with transferring wealth between generations.
The Future Fund's original purpose was to meet the unfunded liabilities of Commonwealth defined benefit schemes. These liabilities have ballooned to an estimated $290 billion and taxpayers continue to be treated like fools.
ASFA provides a key guide for how much you will need to live on in retirement. Unfortunately it has many deficiencies, and the averages don't tell the full story of the growing gender superannuation gap.
The Big Four banks have had an extraordinary run and it’s left income investors with a conundrum: to stick with them even though they now offer relatively low dividend yields and limited growth prospects or to look elsewhere.