FS Advice

Developing effective stakeholder trust strategies

RAY MCHALE   Developing effective stakeholder trust strategies has become increasingly important in the world of corporate governance.

Wills and 'the guilt of giving'

LARISA KAPUR   A Will should be structured in a way that reflects your personal wishes, not the expectations of those around you.

Guide to active cash management

MACQUARIE BANK   With the cash rate at its highest in over a decade and ongoing investor uncertainty about financial markets, the focus on cash allocations is growing. Given the higher yields now available, there could be an opportunity cost to holding idle cash.

A once-in-a-cycle opportunity for real estate investing

JULIAN BIGGINS   Real estate is a fundamental asset class in any portfolio, and many investors have exposure through their primary residence. As an asset class real estate has consistently been a wealth creator over generations due to its finite supply, particularly in desirable locations.

Guide to active cash management

MACQUARIE BANK   With the cash rate at its highest in over a decade and ongoing investor uncertainty about financial markets, the focus on cash allocations is growing. Given the higher yields now available, there could be an opportunity cost to holding idle cash.

Making insurance more affordable

RICHARD EDWARDS   There are a number of ways you can reduce the hip-pocket impact of personal insurance for clients facing cost-of-living pressures.

How CFOs can steer innovation and value with generative AI

FAHIM KHONDAKER, NICK FOX   As organisations weigh the potential benefits and risks of generative AI, it's already causing a monumental shift in how we work and perceive the value of tasks.

Technology trends in the retirement market

DEVAN NAIDOO   The retirement landscape is undergoing a seismic shift. With changing demographics, longer life spans, and evolving economic trends, it has become imperative for the pension industry to move with the times.

Debunking myths of lifetime annuities

MANSI DESAI   Lifetime income streams, such as a lifetime annuity, can provide an important benefit to a portfolio, in that they can help address the issue of longevity risk.

The evolution of superannuation operating models

PETER SHERRIFF, CLAYTON ISSITT   Regulatory and stakeholder demands are driving superannuation funds to evaluate their operating models, with a focus on improving efficiency, preparing for potential mergers and scaling in a sustainable fashion.

Changes to the retirement condition of release

STUART SHEARY   The most common condition of release to access a personal superannuation account is reaching preservation age and retiring.

Navigating the transfer balance cap

STEPHEN BLAKE   The transfer balance cap imposes a limit on the amount of capital that can be held in retirement phase in order to support a retirement phase superannuation income stream - also commonly referred to as a superannuation pension.

Superannuation binding death benefit nomination

GERARD BASHA   Superannuation legislation and many superannuation trust deeds permit a member of a super fund to sign a binding death benefit nomination (BDBN) in favour of their dependants or the legal personal representative of the member's estate.

Fringe benefits tax essentials

CHRISANTHE LEKATIS   Fringe benefits tax (FBT) is a tax payable by employers on certain benefits provided to employees.

Understanding spam obligations in financial services

LYNDA DOWLING   The Spam Act 2003 (Spam Act) applies to most Australian businesses, including financial services, that send commercial messages for marketing or other purposes.

Are you ready for the October OTC derivatives reporting shake-up?

SHANE FLATMAN   As the 21 October 2024 deadline for the Australian Securities and Investments Commission's (ASIC) game-changing updates to over-the-counter (OTC) derivative transaction reporting looms, Australian financial institutions need to prepare for a seismic shift in transparency, risk management, and compliance oversight.

The rise of younger investors

DAN MILES   Younger Australians face unique financial challenges, particularly with the housing market becoming increasingly inaccessible.

The advisable Australian: Client experience and service

NETWEALTH INVESTMENTS   In the first instalment of this series, we explored the diverse segments of advised Australians based on age and affluence, uncovering their unique preferences and financial goals.

How CFOs can add value through communication

NICK FOX   Communication skills are a crucial element in the ability to add value to an organisation.

Five strategies to increase the closing ratio for financial advisers

ESZYLFIE TAYLOR   As a financial adviser, building trust and credibility with potential clients is paramount to increasing your closing ratio and growing your wealth management practice.