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16 July 2025
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Understand performance statistics, diversification matches future needs, bond default winners and losers, biases of goalkeepers and fund managers, and understand a re-contribution strategy.
Fund managers often quote statistics to explain their performance, but what do they really mean, and how can we make useful comparisons?
Diversification thinking has evolved from risk and correlations to a focus on matching the future expected liabilities of an investor. It can change the way assets are allocated.
Even when governments default on their debts, there is money to be made by investors who resist the temptation to panic sell in a crisis.
Portfolio managers and goalkeepers feel the need to do something, but an awareness of this action bias may help them recognise that inaction can be an optimal strategy.
A withdrawal and re-contribution strategy involves accessing your super and re-contributing some or all of it back into your SMSF as a non-concessional contribution (i.e. all tax-free).
Treasurer Jim Chalmers aims to tackle tax reform but faces challenges. Previous reviews struggled due to political sensitivities, highlighting the need for comprehensive and politically feasible change.
You've no doubt heard about Division 296. These case studies show what people at various levels above the $3 million threshold might need to pay the ATO, with examples ranging from under $500 to more than $35,000.
The $3m super tax could be put down to the Government needing money and the wealthy being easy targets. It’s deeper than that though and this looks at the factors behind the policy and why more taxes on the wealthy are coming.
The super tax has caused an almighty scuffle, but for SMSFs impacted by the proposed tax, a big question remains: what should they do now? Here are ideas for those wanting to withdraw money from their SMSF.
Business investment and per capita GDP have languished over the past decade and the Labor Government is conducting inquiries to find out why. Franking credits should be part of the debate about our stalling economy.
With Div. 296 looming, is there a smarter way to tax superannuation? This proposes a fairer, income-linked alternative that respects compounding, ensures predictability, and avoids taxing unrealised capital gains.