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22 July 2024
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Debates about retirement tend to focus on the financial aspects: income, tax, estates, wills, and the like. Less attention is paid to the psychological challenges of retirement, which can often be more demanding.
Why is only half of our retirement income system based on compulsion? From an economic point of view, it simply may not make sense to have a compulsory retirement system that switches to voluntary at retirement.
There is far more to the simple 'objective of super' than meets the eye. It will guide future policy and those who assume we've seen the end of major superannuation changes are not reading the signals.
Superannuation has become a bit of a political football and there's noise around further changes to the system. While super isn't perfect, more changes could add further complexity to a system that's served us well.
By focusing on an individual rather than a group, professional investors get closer to the people they are trying to serve. Too many client meetings focus on the markets and not enough on meeting client goals.
As the Treasurer dusts off the files and instructs his office (yet again) to define the purpose of super, it will mean little to hundreds of thousands of Australians who have no intention of spending most of their super.
One problem with defining a single and universal purpose of superannuation is that people have contributed to super for years, even decades, with different ideas and intentions.
There is a huge amount individuals can learn from the example of top sports teams. Here are 5 business lessons learnt from sporting success.
There seems to be more confusion than clarity about the mechanics of how the new $3 million super tax is supposed to work. Here is an attempt to answer some of the questions from my previous work on the issue.
Here are 10 rules for staying happy and sharp as we age, including socialise a lot, never retire, learn a demanding skill, practice gratitude, play video games (specific ones), and be sure to reminisce.
A new report suggests Australian housing is twice as expensive as that of the US and UK on a price-to-income basis. It also reveals that it’s cheaper to live in New York than most of our capital cities.
The discounts on listed investment vehicles are at historically wide levels. There are lots of reasons given, including size and liquidity, yet there's a better explanation for the discounts, and why a rebound may be near.
The best way to lose money in markets is to chase the latest stock fad. Conversely, the best way to build wealth is by pursuing a timeless investment strategy that won’t be swayed by short-term market gyrations.
The life expectancy tables used throughout the financial advice and retirement industry have issues and you need to prepare for the possibility of living a lot longer than you might have thought. Plan accordingly.