Author: prudentia

Confusion lingers over post-death insurance

There is a lack of clarity around the post-death receipt of insurance and questions remain over which member accounts it can be credited to, according to the SMSF Association.

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Potential pension minefields

It has been a big year for the SMSF industry given the major policy changes the federal government made to super in the 2016 budget.

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Australia. All you need to know to be the expert.

An up-to-date snapshot of Australia's vital statistics.

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Rates, inflation and yield – five graphs to help make sense of it all

The relationship between interest rates, inflation and bond yields is complex and as economists we spend a lot of our time trying to make sense of all the moving parts.

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The Goldilocks effect – Economic and market update 4Q 17

The year 2017 was defined by a near-perfect goldilocks backdrop of steady global growth, modest inflation, and still-accommodative monetary policy, the combination of which helped fuel a broad-based rally in asset prices.

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Dissecting the downsizer contribution

The 2017 federal budget included an allowance for a new type of superannuation contribution for individuals looking to downsize their principal residence. Michael Hallinan details the rules around these unique contributions.

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Plans for study into elder abuse

The government’s decision to follow one of the recommendations from the Australian Law Reform Commissioner’s report and adopt a national plan for elder abuse has been welcomed by a legal body.

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Why your retirement intentions are critical

Have you given much thought to the age that you might eventually retire?

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Beyond share prices

Investors shouldn't overlook that there are two components to sharemarket returns – dividend yield and capital gains (or losses).

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Power of retiree super dollars

With the waves of baby boomers now nearing or entering retirement, it is hardly surprising that the ranks of retired super members is rapidly growing. Yet the extent of that growth may surprise you.

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‘Read the tea leaves,’ brace for cryptocurrency regulation, advisers told

Despite crytpocurrency not being regulated as a financial product, the requisites of best interests duty still strictly apply as the regulators circle, advisers are being told. 

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Where Australia is at. Our leading indicators.

While dry and not that exciting, stats on how Australia is going in regard to a vast range of important issues can be very illuminating.

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How will downsizer (selling your home after age 65) super contributions work?

With downsizer contributions coming into effect on 1 July 2018, what are some tips and traps for SMSFs and their members.

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New Year resolutions, New Year strategies

Stop procrastinating. These two words can provide an excellent starting point for investors who are determined to set meaningful resolutions and strategies for 2018 and beyond.

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Business confidence hits 5-month high: NAB

NAB’s business confidence index jumped four points in December as business confidence and business conditions begin to converge.

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Become a better investor through your holiday reading

Behavioural economist Daniel Kahneman – who teaches us to control our damaging behavioural traits to become better, more-disciplined investors – continues as a powerful force on the best-seller lists as 2017 draws to a close.

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Technical expert flags top 3 traps with CGT relief

While SMSF practitioners may be familiar with the rules for CGT relief, there are some key areas where professionals are hitting snags with the practical aspects of applying the relief, says a technical expert.

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As share prices rise, the risk-return trade-off gets tricky

Part of Vanguard's Global Macro Matters research series.

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UPDATE: Australia's vital statistics

Keep up to date regarding how our great country is traveling.  Almost 150 different items covered. 

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Rising risks to the status quo

The financial markets' low volatility underscores investors' conviction that the long-term global economic trends of modest growth and tepid inflation will also define shorter-term cycles. But risks lie in mistaking the trend for the cycle.

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Opinion – 2018 to be the year of the machine

As artificial intelligence (AI) moves from the realms of fantasy to reality, it brings both opportunities and threats for investors in 2018. 

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Financial advice is the leading trigger to review insurance inside Super

Financial advice has been found to be the leading cause of people taking action to review their life insurance inside a superannuation fund.

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Weekend saving ideas – for your pocket and lifestyle

When weekends are crammed with Saturday sport, shopping and screens, it can be hard to feel like you’ve had fun and relaxed. Discover how to get more from your precious days off and spend less. Plan for all the right ingredients To have a happy weekend to look forward to (and back on), it’s important...

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5 money mindsets that hold you back

What’s holding you back from taking control of your financial future? Discover the five mind tricks that can stop you from achieving financial success and what you can do to avoid them. Fear of failure Earning and saving money from your salary is all very well. But setting up an alternative income stream from an...

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The case for active asset management

The shift of money from active to index funds seems decisive proof of investors’ belief in the superiority of passive investing. According to Broadridge, the financial data provider, nearly $2.4 trillion has flowed into passive ETFs in the US over the last 15 years, while $500 billion has flowed out of active funds.   But...

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SMSFs warned on ‘ticking time bomb’ with outdated deeds

A surprising number of older SMSF deeds pre-dating the 2008 financial year still remain, some of which contain inappropriate clauses exposing members to unforeseen risks, an industry lawyer warns.

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Statutory wills are underutilised in estate planning

Statutory wills are being neglected in situations where a family member has lost capacity with the absence of an established will, according to Australian Unity Trustees.

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Realism vs reality – working part-time as retirees

Are you planning to boost your retirement income by doing some part-time work once you eventually retire? Perhaps you have included the expectation of some paid work in your calculations about how much you need to finance your retirement.

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Address Under-insurance at Personal Finance Level – Global study

Income protection insurance should be presented as part of personal finances and Governments should be pressuring insurers to provide transparent and easy to understand products, a new global study into income protection under-insurance has stated.

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For the young it a question of engagement

Robyn Bowerman relates a chat he had with a young relative who was starting a new job.  A case for starting to save from the outset.  The importance of asset allocation.

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Heathmont Financial Services Pty Ltd (ABN 68 106 250 104) trading as Heathmont Financial Services is a Corporate Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd (ABN 74 630 256 227), Australian Financial Services Licence Number (AFSL) 513763.

Julian McGoldrick is an Authorised Representative (No. 262098) of Knox Wealth Management Pty Ltd AFSL 513763.

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