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White noise: Great for babies, not so good for investors

White noise is broadly defined as the combination of sounds of all different frequencies together, typically being used to mask other sounds. Among the most common uses of white noise is to help babies (and adults) sleep without background noise. Whilst highly powerful for this purpose, one could easily make the opposite conclusion when it…

Drew Meredith | 13th May 2022 | More
Superannuation returns hit by volatility 

A bounce in share markets in March supported superannuation fund performance in the first quarter of 2022. However, with inflation concerns mounting, global share markets remain volatile, including the hard US share market, which is likely to dent superannuation returns for the current financial year.  Superannuation research house SuperRatings found the median balanced option rose…

Nicki Bourlioufas | 29th Apr 2022 | More
  • Minimum pension reduction offers opportunity for growth

    Among the Federal Budget proposals that received the least fanfare was the extension of the ‘temporary’ relief on the minimum drawdowns for account-based pensions. Whilst the media attention on the legislative change immediately highlights the fact that it benefits the wealthy more than the rest, it affords an entire generation of Australians greater flexibility. Few…

    Drew Meredith | 6th Apr 2022 | More
    Forced withdrawals, higher tax rates proposed in super shakeup

    Global consulting firm Mercer has joined a growing chorus of experts suggesting the Australian superannuation system should be means-tested retrospectively. In a recent white paper, Mercer echoed the views of the Australian Institution of Superannuation Trustees (AIST), which suggests that those with superannuation balances over $5 million are causing an “inequitable” and “unsustainable” system. In…

    Drew Meredith | 1st Apr 2022 | More
  • Why bailing out could cost you your retirement

    Whilst global sharemarkets have recovered much of the ground lost due to the Ukraine crisis, US Federal Reserve moves and surging energy costs, there is a general feeling that equities remain on the precipice of a bear market or extended correction. Whether it is our inherent pessimism towards markets, or simply tiring of one of…

    Drew Meredith | 30th Mar 2022 | More
    ‘Practical and temporary’ – Behind the 2022 budget

    Treasury Josh Frydenberg delivered his long-awaited, pre-election budget this week, seeking to offer respite to a ‘surge’ in the cost of living. The Federal Government, and next Government for that matter, face a difficult challenge in navigating what is likely a short-term surge in inflation and hit to the cost of living, with demands for…

    Drew Meredith | 30th Mar 2022 | More
    The biggest contribution changes in a decade

    Both houses of Parliament quietly passed what may well be the biggest changes to super contribution rules in a decade. With the Treasury Laws Amendment Bill only awaiting Royal Assent (that is, from the Governor-General, which is a mere formality), 2022 will see retirees and soon-to-be retirees provided with significantly greater flexibility in putting additional…

    Drew Meredith | 9th Mar 2022 | More
    Balanced super fund returns hit 10 per cent

    Australian super funds continued their incredible run of positive investment returns, with the median growth industry fund recording a double digit return once again. This markets the tenth straight year of positive results from the sector, and superannuation in general, that is central to funding the retirement of all Australians. Given the predictions of doom…

    Drew Meredith | 2nd Feb 2022 | More
    Why the super party might be over

    Strong super returns are about to encounter significant headwinds. And with the government prowling for more money, funds might once again foot the bill. It’s no secret that market conditions have been enormously supportive over the last decade – and that super has been one of the biggest beneficiaries of those conditions, particularly through 2020,…

    Greg Bright | 10th Dec 2021 | More
  • SMSF legal disputes on the rise

    Most people are well aware of the many benefits of family trust and self-managed super fund (SMSF) structures, but less so about the potential drawbacks. That is something reflected in the surge in legal disputes between trustees of both structures thus far in 2021, according to Marie Brownell, national manager of estate planning at Equity…

    Drew Meredith | 10th Dec 2021 | More
    SMSFs, are you ready for the Director Identification regime?

    The beginning of November welcomed a new identification regime from the Australian Tax Office (ATO). With most of us accustomed to the QR code and check-in apps that have come with the pandemic, the Director Identification Number (DIN) is likely just another hoop to jump through. Launched by the ATO on the 1st of November,…

    Drew Meredith | 3rd Dec 2021 | More
    SMSF trustees avoid retirement income mandate

    Draft legislation for the impending ‘Retirement Income Covenant’ was released this week, with SMSF trustees no doubt breathing a sigh of relief after being exempt from the new law. The change in legislation will require all APRA-regulated funds, specifically industry and corporate super plans, to develop and implement a retirement income strategy for those who…

    Drew Meredith | 29th Sep 2021 | More
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