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24 December 2024

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Edition: 201

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Edition 201

  • 12 May 2017

Compared with the superannuation carnage of last year's Budget, 2017 was relatively mild, with two changes which are likely to have a marginal impact. We take a look at the fine print, plus several of our sponsors have provided more detailed Budget reviews below.

Budget super changes impact at the margins

Budget 2017 outlined two changes to superannuation rules, both in an attempt to improve home affordability. One makes a small reduction in the tax burden for savers, while the other allows more money into super.

Market’s big names weigh into index debate

The distinction between active and index management is increasingly blurred, while active managers as a group face large outflows and struggle to justify their fees. There are big players on both sides.

Index funds lack checks on stocks they buy

The economics of Australia’s biggest listed companies will not turn significantly more positive in the next 10 years. Don’t expect the large cap-weighted indices to produce returns any better.

Active versus passive: there’s more to it

Long gone are the days when 'passive' investing meant simply replicating a cap-weighted index, especially with the surge in 'active' and 'factor-based' funds such as smart beta. We need more nuanced definitions.

How to preserve estate money in super

The transfer balance cap affects the amount of a deceased member’s benefits that can be paid to the surviving spouse as a pension or income stream, but there’s a way to retain it in the super system.

Managing for retirement income

Latest thinking on retirement in the US devises a risk management strategy that allocates assets in a trade-off between growth assets versus more conservative 'risk management' assets.

Productivity Commission: super efficiency but at what cost?

Government-sponsored reviews often focus on costs and efficiencies because they are easier to measure, but far greater gains can be made if the super system is encouraged to innovate, even if it comes with costs.

Not all equity income funds are the same

Equity income funds have been popular but they come in many different guises, and investors should know about the market exposure and the use of options strategies.

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Vale Graham Hand

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.

Australian stocks will crush housing over the next decade, one year on

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.

Avoiding wealth transfer pitfalls

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.

Taxpayers betrayed by Future Fund debacle

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.

Australia’s shameful super gap

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.

Looking beyond banks for dividend income

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.

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