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Tuesday, 17 January 2012
The year of 2012 looks set to be the year that change comes to town.
On a global scale we have the impending crisis in Europe, questions ... Read more
Latest Financial Planning News
Wednesday, 1 February 2012
Wednesday, 1 February 2012
Monday, 30 January 2012
Friday, 27 January 2012
Featured Paper
Deciding to take control over their own impending retirement, Mike and Sara Jones*, 51 and 45 respectively, established a corporate fund for themselves in March 2011. In the following months they sought ... Read moreDeciding to take control over their own impending retirement, Mike and Sara Jones*, 51 and 45 respectively, established a corporate fund for themselves in March 2011. In the following months they sought the guidance of AGS Financial Group to discuss their self-managed super funds (SMSF), the legal implications of being trustees for this fund and how to maximise their assets.
Risk and life insurances
There’s some debate and concern in financial advice circles about holding income protection insurance (IP) inside super. Following a favourable tax change in 2007, the issues have gradually intensified ... Read moreThere’s some debate and concern in financial advice circles about holding income protection insurance (IP) inside super. Following a favourable tax change in 2007, the issues have gradually intensified following an increase in the number of funds offering long-term benefit periods (typically to age 65) and an increasing take-up of that offer by clients.
This paper assesses the current state of the life insurance market in Australia and looks at the different factors that impact on an individual’s life insurance, in addition to how insurance serves ... Read moreThis paper assesses the current state of the life insurance market in Australia and looks at the different factors that impact on an individual’s life insurance, in addition to how insurance serves various purposes.
Life insurers in Australia typically offer a guaranteed future insurability (GFI) feature as part of their lump sum risk product range. This papers discusses the emphasis is on the mortality risk, the ... Read moreLife insurers in Australia typically offer a guaranteed future insurability (GFI) feature as part of their lump sum risk product range. This papers discusses the emphasis is on the mortality risk, the potential impacts of life changing events and the practical implications for insurance for death, TPD or trauma policies and what advisers should consider.
Applied financial planning
With ASX’s launch of its new smart order routing system and the go-live of Chi-X in Australia, it is clear that the Australian trading landscape is going through a period of rapid transformation ... Read moreWith ASX’s launch of its new smart order routing system and the go-live of Chi-X in Australia, it is clear that the Australian trading landscape is going through a period of rapid transformation and re-alignment. In this paper, Grob discusses how Australia will become part of the global fragmented liquidity landscape and how firms can take advantage of the global picture.
Short-termism is a pandemic that continues to flourish unchecked within financial markets, resulting in significant long-term economic costs to investors. This research paper, co-authored by Jason Orthman ... Read moreShort-termism is a pandemic that continues to flourish unchecked within financial markets, resulting in significant long-term economic costs to investors. This research paper, co-authored by Jason Orthman, portfolio manager/analyst for Hyperion, examines the economic costs of excessive short-termism by corporate management, active fund managers, asset consultants, super fund trustees and mum and dad investors.
Taxation planning and estate planning
With over half of all SMSF members aged 55 or over, and one-fifth aged 65 or over, it’s more important than ever to plan for the succession of SMSF benefits, fund assets and funds. This paper will ... Read moreWith over half of all SMSF members aged 55 or over, and one-fifth aged 65 or over, it’s more important than ever to plan for the succession of SMSF benefits, fund assets and funds. This paper will canvass some of the key drivers of SMSF estate planning over the next few years, issues the regulators are grappling with now and strategies you and your clients can use to respond to these challenges.
Practice management
This Inalytics paper quantifies how misleading track records are as an indicator of skill. We provide evidence that even fund managers with no skill in stock picking have still been able to have positive ... Read moreThis Inalytics paper quantifies how misleading track records are as an indicator of skill. We provide evidence that even fund managers with no skill in stock picking have still been able to have positive track records against the standard Australian equity benchmark.
Case study: the value of advice
This case study looks at the benefits of a gearing strategy versus a saving strategy from one award-winning financial adviser who offered two different approaches to one couple who want to buy their own ... Read moreThis case study looks at the benefits of a gearing strategy versus a saving strategy from one award-winning financial adviser who offered two different approaches to one couple who want to buy their own home in five years.
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