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22 January 2025
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The scheme has not been updated since it was established and is no longer fit for purpose. Members now find themselves disadvantaged in several important ways versus those in other superannuation funds.
There’s an epidemic in Australia that has nothing to do with COVID-19, the flu, or the respiratory syncytial virus. This one is called FORO, or the fear of running out of money in retirement, and it's a growing problem.
The ATO has released all the superannuation rates and thresholds that will apply from 1 July 2024. Here's what’s changing and what’s not, and some key considerations and opportunities in the lead up to 30 June and beyond.
For some Australians, there’s a concessionally taxed superannuation investment opportunity dating back to the 2018-19 financial year that will expire on 30 June this year. Here is what you may be entitled to.
This is your Quick Reference Guide for the year’s important facts and figures. It includes what you need to know on personal tax rates and offsets, as well as super contributions, caps, benefits, and thresholds.
The vast sum of money in super will dwarf the size of the ASX and our GDP in coming years yet allocation is not subject to any regulatory control. Where should super policy be housed and how should assets be invested?
Superannuation is a valuable investment vehicle and deciding the intended recipient of these funds in the event of death is crucial. Yet there's a significant limitation: super benefits can't be allocated to charities.
Mark Delaney of AustralianSuper manages more retirement savings than any other person in the country. He explains his views on illiquid assets, bonds versus equities, internal funds management and a coming recession.
The new super tax is a heavy surcharge on long-term investments because most of the gains from growth assets such as shares and property come from value gains which are mainly due to inflation.
Retirees with large super balances may be forced to draw more than they need. It's a good problem to have, but what do they do with the excess? Here are some ideas for you to consider.
When a business that manages funds worth three times the entire Australian superannuation system enters the market, it's a sign of yet more change coming to the sector. How do its plans fit into a long-term strategy?
SMSFs are increasing in popularity among younger investors, drawn by the investment control and fixed costs. But until a sufficient balance is achieved, it may be better to stay with a large fund.
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.
The housing market was subdued in 2024, and pessimism abounds as we start the new year. 2025 is likely to be a tale of two halves, with interest rate cuts fuelling a resurgence in buyer demand in the second half of the year.
The renowned investor has penned his first investor letter for 2025 and it’s a ripper. He runs through what bubbles are, which ones he’s experienced, and whether today’s markets qualify as the third major bubble of this century.
This examines the performance of key asset classes and sub-sectors in 2024 and over longer timeframes, and the lessons that can be drawn for constructing an investment portfolio for the next decade.
Key lessons include expensive stocks can always get more expensive, Bitcoin is our tulip mania, follow the smart money, the young are coming with pitchforks on housing, and the importance of staying invested.
Check out the most-read Firstlinks articles from 2024. From '16 ASX stocks to buy and hold forever', to 'The best strategy to build income for life', and 'Where baby boomer wealth will end up', there's something for all.