Our busy lifestyles often mean high levels of stress impacting productivity and health. Research shows practising mindfulness can reverse these effects for improved efficiency and well-being. How many times a week do you feel stressed or … [Read more...]
A vital SMSF question: A corporate trustee or individual trustees?
A self-managed super statistic that doesn't seem to change much over the years is the strong preference of new SMSFs for individual trustees rather than a corporate trustee. The latest-available tax office statistics on SMSF trustee arrangements … [Read more...]
More withdrawals from 'the bank of mum and dad'
Think about what has happened in the six months since Treasury secretary John Fraser spoke of his concerns for retirement savings of parents who help their children into housing by making withdrawals from "the bank of mum and dad". House prices in … [Read more...]
Going Global
Australian investors may be well-aware of the basic diversification benefits of global equity investing relative to domestic investing, but franking credits tend to win the day and keep home country bias firmly entrenched in portfolios. There is … [Read more...]
Life's financial turning points: good and not-so-good
The marriage and divorce statistics for 2015* sadly suggest that 43 per cent of Australian marriages may end in divorce. Significantly, this number-crunching does not include separations of de facto couples. Unfortunately, the breakdown of a … [Read more...]
Is Australia the New Argentina?
By Bob Cunneen, Senior Economist and Portfolio Specialist, MLC “Politics is the art of looking for trouble, finding it everywhere, diagnosing it incorrectly and applying the wrong remedies.” Groucho Marx “One of Australia’s most important national … [Read more...]
2017 Federal Budget Analysis
First home savers, downsizers and small business are the winners in Treasurer Scott Morrison’s second Budget – while taxpayers face an increase in the Medicare levy. Note: These changes are proposals only and may or may not be made … [Read more...]
Your first SMSF portfolio: Don't overlook fundamentals amid super changes
New SMSF trustees face something of a double challenge in 2017-2018: Coming to terms with the long-standing fundamentals of having your own fund together with the biggest changes to super in a decade. It is critical for new trustees not to neglect … [Read more...]
Almost the world's best for retirees
What are the best countries for a comfortable retirement? What countries have the best retirement-income systems? It seems the answers to these questions are rather positive for Australian retirees. The recently-published 2017 Best Countries survey … [Read more...]
Super baby debt
Having a family can create a ‘super baby debt’ for mothers of up to $50,000 by the time they reach retirement age. Taking time off work means you may not have any employer contributions being paid into your super account. And if you are taking a few … [Read more...]
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