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Wednesday, 2 May 2012
The outcry against the budget move to reduce the concession on superannuation contributions tax for people with taxable incomes above ... Read more
Latest Financial Planning News
Tuesday, 15 May 2012
Wednesday, 9 May 2012
Wednesday, 9 May 2012
Tuesday, 8 May 2012
Featured Paper
Michael Smith* had a negative experience with the financial planning industry in the 1980’s and was extremely sceptical of financial advisers. He had built up a net worth of $1.5 million over the ... Read moreMichael Smith* had a negative experience with the financial planning industry in the 1980’s and was extremely sceptical of financial advisers. He had built up a net worth of $1.5 million over the years, but had avoided holistic advice and was not convinced that investing outside of cash investments was the best option for his money. He was interested in reviewing his financial options, but was pessimistic about what could be achieved.
Superannuation and retirement planning
Many superannuation funds are thinking seriously about whether providing financial advice can help them retain members and improve awareness of the benefits they offer. Mercer believes funds can easily ... Read moreMany superannuation funds are thinking seriously about whether providing financial advice can help them retain members and improve awareness of the benefits they offer. Mercer believes funds can easily and costeffectively provide simple advice that will suit the majority of members
Advisers report a continued increase in the percent of their clientele base who are receiving retirement income products, services, or advice from them in the past 12 months. This study also shows an increase ... Read moreAdvisers report a continued increase in the percent of their clientele base who are receiving retirement income products, services, or advice from them in the past 12 months. This study also shows an increase in the average percent of the clientele base who are retired, semi-retired, and near retirement, further demonstrating an increased demand for these services.
Practice management
This white paper from CoreData talks to industry leaders about the issues facing planners as a result of the FOFA reforms and the likely trends that are emerging including consolidation and the entrance ... Read moreThis white paper from CoreData talks to industry leaders about the issues facing planners as a result of the FOFA reforms and the likely trends that are emerging including consolidation and the entrance of accountants and lawyers into the advice space.
Advisers are concerned about providing the best advice for their clients without detrimentally affecting their business revenue. In this article, Stack aims to demonstrate that whilst more calculations ... Read moreAdvisers are concerned about providing the best advice for their clients without detrimentally affecting their business revenue. In this article, Stack aims to demonstrate that whilst more calculations and time are spent, this can make a significant difference to your clients.
Risk and life insurances
This paper looks at ways to “squeeze the lemon”, and to work your asset portfolio harder. We clarify the mechanisms by which developments in security markets can impact an insurance company; ... Read moreThis paper looks at ways to “squeeze the lemon”, and to work your asset portfolio harder. We clarify the mechanisms by which developments in security markets can impact an insurance company; identify which variables are within management control, versus which are not; and map out ways to focus and improve investment decisions.
The GFC may have proved to be a turning point for the Australian economy and the way the AUD trades in future, according to fund manager Tyndall Investments head of fixed income, Roger Bridges. In this ... Read moreThe GFC may have proved to be a turning point for the Australian economy and the way the AUD trades in future, according to fund manager Tyndall Investments head of fixed income, Roger Bridges. In this paper, Bridges discusses the behaviour of the AUD in the decades leading up to the GFC, and indeed during the height of the crisis itself, and the current global economic factors at play.
Applied financial planning
Regulators globally have expressed concerns over how financial institutions that outsource business-critical functions operate their relationships with third-party service providers. This papers weighs ... Read moreRegulators globally have expressed concerns over how financial institutions that outsource business-critical functions operate their relationships with third-party service providers. This papers weighs up the benefits of outsourcing relationships in investment.
This white paper contends that the ‘real’ future of financial advice will be determined by the way participants in Australia’s financial advisory sector react to a number of emerging ... Read moreThis white paper contends that the ‘real’ future of financial advice will be determined by the way participants in Australia’s financial advisory sector react to a number of emerging industry fault lines, some of which have laid latent and pre-date the recent regulatory tremor known as FOFA. But, looking beyond the FOFA aftershock, Decimal sees a structural realignment of key industry tectonic plates – the result of which has revealed at least five critical industry cracks or fault lines.
Case study
Nick* went to see financial advisers Sarah Riegelhuth and Finn Kelly after he had been playing AFL professionally for three years. While he had managed to save some money and intended to purchase a property ... Read moreNick* went to see financial advisers Sarah Riegelhuth and Finn Kelly after he had been playing AFL professionally for three years. While he had managed to save some money and intended to purchase a property, he had no other assets or even a budget and had already falling into the trap of spending his everything he earned. Referred to Sarah and Finn by an existing client, the advisers quickly established where Nick's goals lie and where he wanted to see himself in the future.
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