Q&A

Here’s the latest question and answer columns with our the expert from The Inside Network. If you’re looking for expert insights and answers to complex investment questions, you can Click here to subscribe to the Inside Network. It’s free to subscribe.

Clearing the sophisticated investor hurdle

Q: From time to time I come across an investment opportunity that looks interesting but it is only open to sophisticated investors. How do I know if I am a sophisticated investor? A: The Corporations Law requires that people buying…

Mortgage broker best interests duty bill passed

Q: The Government has passed a law that requires mortgage brokers to act in their clients’ best interests. Don’t they already have to meet responsible lending guidelines? How will this change things? A: From July, mortgage brokers will have to…

No TBC indexation this year

Q: I read in your publication last year that the superannuation transfer balance cap would be indexed to $1.7 million this year. Is that still the case? A: No. The Australian Taxation Office has advised that the transfer balance cap…

DRP vs DSSP

Q: I have recently invested in Australian Foundation Investment Company (AFIC) and have encountered an unusual choice between a dividend reinvestment plan (DRP) and a dividend substitution share plan (DSSP). What is the difference between the two and how do…

Q&A

Q: I understand there are changes to credit reporting rules coming. I worry about the amount of information that goes on credit files these days. Will the changes help consumers? A: Changes to Australia’s credit reporting system that take effect…

Lifecycle fund pros and cons

Q: I was reading the APRA heatmap report, which rates the performance of MySuper products, and I saw reference to lifecycle products. What are they? A: Lifecycle strategies have become increasingly popular in recent years and now account for around…

Q&A

Q: We are about to leave Sydney for a month on an overseas trip and have been thinking about renting the house while we are away. We have a four-bedroom family home and, apart from occasional guests, three of the…

Q&A

Q: The Government said it would not accept the Hayne Royal Commission recommendation that mortgage broker commissions be phased out but it did promise to introduce measures to making broking more consumer focused. How is that going? A: The Government…

Q&A

Q: I have been considering taking out a margin loan to invest in more shares, as the market is going well at the moment. I have heard that this can be a risky loan if the market falls and there…

Down, down: the falling discount rate

Q: I have seen and heard a number of references recently to the discount. I understand that it is a way of valuing shares and other investments and that it is affected by falling interest rates. Can you fill me…

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