When it comes to making big, stupid, regrettable predictions, I’d like to think I don’t have too much to be embarrassed about. Sure, like everyone, I’ve made some dumb calls. Particularly when it comes to technology. In 1997, I said that I would never need an “e-mail” address. In 2002, I said I’d never […]
SUMMARY: Don’t risk being caught short on a transition to retirement strategy ahead of Budget 2016. Rarely has so much mud slinging on superannuation tax change occurred as it has this year. But, thankfully to date, so little that appears to have stuck. We’ve had talk of reduced contributions limits, lowering of income thresholds for […]
My hippy parents are annoyingly young. The sort of annoying that occasionally has them mistaken as my older brother/sister in public. By today’s standards, they had me before they were even really adults. They both had change out of a quarter of a century when I was born. My Gen X cohorts are the opposite […]
SUMMARY: Comminsure scandal should highlight the need for insurance for SMSFs members, not turn them off. Insurance industry scandals make the tough job of buying or selling insurance tougher – but DIY super trustees mustn’t use it to ignore their duties. The Comminsure earthquake is a disaster for the insurance industry. The aftershocks will continue […]
This might sound a little voyeuristic, but watching investment markets go into meltdown can sometimes be a bit of fun. Grab some popcorn. From the right vantage point, you can watch the whole horror film unfold. The screaming, the terror and the panic. Raw human fear. The 24-hour news cycle means we can always get […]
SUMMARY: Have SMSFs peaked? One big industry fund claims to be stealing SMSF business, but ATO statistics are not supportive. Are Australians “over” DIY super? Have we tired of the work involved in running our own super funds? Australian Super claims self-managed super fund trustees are waving a white flag and saying that it’s all […]
It’s time to debunk a dangerous, omnipresent, truism of financial advice. “Consolidate your super”. The advice is portrayed as gospel-like. Question it and you’re an idiot, wasting money, lining super funds’ pockets of super funds and ripping off your future self from a more fabulous retirement. But, sadly, the “free advice” masquerading behind this triusm […]
SUMMARY: Looking for a potential win in this bleak market? It’s time to reacquaint yourself with in-specie transfers into super. If there are any rays of sunlight poking through this stock market, then they haven’t been particularly bright. The odd stock here and there has sparkled. But so many perpetual favourites have been smashed. So […]
Bastards. It’s like some financial arch-devil was sent down to blend all of my worst fears into a single nightmare. What the hell is going on? Both sides of politics have declared “open season” on two of my primary investment loves – superannuation and property investment. Cripes! What if you like both? If you run […]
It’s a horrible realisation that hits everyone in about their late 30s. You are older than any of your sporting heroes. They’ve retired. Unless you watch lawn bowls, snooker or darts – coincidentally, all games where you can drink while participating – or your favourite is cricketer Brad Hogg, they’ve all given it […]
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