Volume 14, Issue 1

Applied Financial Planning
Bryce Figot
JOSEPH CHEUNG , DANIEL BUTLER , BRYCE FIGOT  |  FRIDAY, 11 JAN 2019
If the Treasury Laws Amendment (2018 Superannuation Measures No. 1) Bill 2018 (Bill) becomes law, an individual member's total superannuation balance (TSB) may be increased by their share of the outstanding balance of a limited recourse borrowing arrangement ... Read more
Esabel Thinnakone
ESABEL THINNAKONE  |  FRIDAY, 15 MAR 2019
There is a common misconception that aged care advice is only needed when a client first enters residential aged care and there is no benefit from additional advice after the point of entry. However, after a client enters residential aged care, a change ... Read more
Investment
Robert Almeida Jr
ROBERT ALMEIDA JR  |  FRIDAY, 18 JAN 2019
For centuries the investment industry has been plagued by storytelling and chart chasing. In the 1600s, it was tulip bulbs in the Netherlands. In the early 1700s, it was securities issued by the South Sea Company. In the 1800s, it was land certificates ... Read more
Roger Montgomery
ROGER MONTGOMERY  |  FRIDAY, 25 JAN 2019
In the wake of the global financial crisis (GFC), index ETFs were meant to offer risk-averse investors a safe and easy way to gain diversification. But nine years into the global market's bull run, they appear to be pushing US tech stocks into unrealistic ... Read more
Randal Jenneke
RANDAL JENNEKE  |  FRIDAY, 8 FEB 2019
For the better part of the last two years, we have been positive about the broader economic outlook, confident that improving global growth and strong corporate earnings would drive markets higher. At the same time, reasonable valuation levels only ... Read more
Damien Wood
DAMIEN WOOD  |  FRIDAY, 15 FEB 2019
It is not often you will get this writer singing the praises of our bank regulator. But the recent discussion paper released by APRA on how to increase capital to meet global standards for our major Australian banks, in our view, is not only spot on ... Read more
Retirement
Linda Bruce
LINDA BRUCE  |  FRIDAY, 1 FEB 2019
Ageing populations across western industrialised nations like Australia are a result of increased life expectancy and lower birth rates. In fact, as at 30 June 2018, our nation had over 3.9 million people aged 65 and over and this number is projected ... Read more
Taxation & Estate Planning
Will Moloney
WILL MOLONEY  |  WEDNESDAY, 20 FEB 2019
Helping clients with their estate planning needs is a vital aspect of the financial planning process with superannuation being an important component of the plan. The 2017 super reforms were wide ranging with quite a number of changes affecting superannuation ... Read more
Scott Quinn
SCOTT QUINN  |  FRIDAY, 8 MAR 2019
With the ability to use catch-up concessional contributions starting from 1 July 2019, we've been asked the following question by an adviser Read more
Don Hamson
DON HAMSON  |  FRIDAY, 5 APR 2019
The ALP is proposing a raft of tax changes that will negatively impact after tax outcomes for many Australian investors should they be enacted. Read more
Insurance
Greg Martin
GREG MARTIN  |  FRIDAY, 1 MAR 2019
Discontent is engulfing the retail income protection insurance sector. This is not surprising given income protection claims have doubled in the last ten years. Read more
Ethics & Governance
Tom Reddacliff
TOM REDDACLIFF  |  FRIDAY, 12 APR 2019
The original version of this paper was written in August 2018 - however, we cannot ignore the potential implications of the Hayne Royal Commission Final Report (RC report). As such, we have updated our paper to include new content reflecting the likely ... Read more