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5 November 2024
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Super reforms must improve outcomes, investing for the end beneficiary or the intermediaries, measuring risk aversion, S&P benchmarks active managers, and the effects of compounding.
Much attention has been drawn recently to the high cost of the Australian superannuation system compared with pension systems overseas, with retirement outcomes often overlooked. What should we be striving for?
A study recently published by Towers Watson claims that many in the investment industry focus on looking after intermediaries at the expense of clients. And we're obsessed by short-termism and chasing alpha.
Following from the article "Our industry has a problem", Cuffelinks interviewed Tim Hodgson, the author of the study into investment industry intermediaries. He doesn't like much of what he sees.
Financial risk aversion is usually measured via a questionnaire compiled by an adviser, which provides a one-dimensional numerical measure. But this does not cover all there is to learn about a client's aversion to risk.
The SPIVA Australia Scorecard measures the performance of actively-managed funds compared with the relevant S&P indexes. Results from the most recent Scorecard are not pretty for active managers.
If you get onto the compounding bandwagon from a young age, the balance of your superannuation, as well as other savings, come retirement will astound you. It's a shame more people aren't maximising the opportunity.
There are well over 800,000 family trusts in Australia, controlling more than $3 trillion of assets. Here's a guide on whether a family trust may have a place in your individual investment strategy.
A recent industry event made me realise that a 30 year old investing trend could still have serious legs. Could it eventually pose a threat to two of Australia's biggest companies?
Investing guru Howard Marks says he had two epiphanies while visiting Australia recently: the two major asset classes aren’t what you think they are, and one key decision matters above all else when building portfolios.
How have so many wealthy families through history managed to squander their fortunes? This looks at the lessons from these families and offers several solutions to making and keeping money over the long-term.
A recent ruling from The Australian Financial Complaints Authority may herald a new era for financial scams. For the first time, a bank is being forced to reimburse a customer for the amount they were scammed.
A big age gap can make it harder to find a solution that works for both partners – financially and otherwise. Having a frank conversation about the future, and having it as early as possible, is essential.