Volume 14 Number 4

Volume 14 Issue 4

Ethics & Governance

TIM AMAN | Comments | FRIDAY, 1 NOV 2019

Risk culture is a complex, forward looking and qualitative component of an organisation. Further, it requires unique approaches in relation to risk management and mitigation. Its DNA begins with understanding ... Risk ... Read more

Investment

RMBS: Weighing up risk vs reward

JOHN SORRELL | Comments | FRIDAY, 13 SEP 2019

During and after the global financial crisis, the prices of residential mortgage-backed securities (RMBS) were quite severely impacted; however, since then they are once again proving popular with investors. During ... Read more

The anatomy of bear markets

JASON TEH | Comments | THURSDAY, 17 OCT 2019

Bear markets are great. To explain, lower prices mean greater future returns. Bear markets always occur during global slowdowns as investor confidence is shaken from lower growth expectations. It is ... Read more

Bullish case for macro outlook

BCA RESEARCH | Comments | FRIDAY, 22 NOV 2019

BCA Research has been the market's leading source for independent global macro research for 70 year. Occasionally, this independence has resulted in strongly diverging views. Today, two views on ... Read more

Bearish cases for macro outlook

BCA RESEARCH | Comments | TUESDAY, 26 NOV 2019

This paper outlines the cyclical (six to 12 months) bearish outlook for assets within BCA Research's team. The group foresees a further deterioration in activity or a delayed recovery, additional ... This ... Read more

The AUD, foreign debt and trade

PETER PONTIKIS | Comments | MONDAY, 9 DEC 2019

In this whitepaper, Peter Pontikis discusses what the next decade will look like in practical terms. Australia posts its first current account surplus in 44 years Recent Australian overseas trade and ... In ... Read more

Insurance

Time for action

ANDRES WEBERSINKE | Comments | FRIDAY, 11 OCT 2019

Individual disability income insurance (DII or income protection) is a key insurance product for consumers. It offers essential financial protection when income falls away due to sickness or injury but ... Individual ... Read more

Providing insurance advice to divorcees

RACHEL LEONG | Comments | FRIDAY, 8 NOV 2019

Approaching a difficult topic Some may consider raising the topic of life insurance during a divorce as bad timing, however, it is an important conversation to have because the splitting of finances ... Read more

Men's health and life insurance

RACHEL LEONG | Comments | THURSDAY, 5 DEC 2019

Annual events such as Movember highlight the need to consider the various insurance policies that can protect clients against the financial impacts of serious diseases most commonly affecting men, such ... Annual ... Read more

Technology

How advice is digitally evolving

NALIKA NANAYAKKARA | Comments | THURSDAY, 19 SEP 2019

Traditional client engagement channels are being consigned to the past as voice-enabled tools and digital assistants take us to the future. The velocity of digital innovation in wealth management is ... Read more

Retirement

Everything you need to know about granny flat agreements

ANGELA HARRY | Comments | FRIDAY, 25 OCT 2019

Moving into a granny flat is a great way to live close to loved ones while providing them with a first home or investment property, but before committing to such a drastic change in living arrangements ... Moving ... Read more

Til death do us part

RAHUL SINGH | Comments | FRIDAY, 15 NOV 2019

An aged care focus In the 2017/18 financial year, the average age of admissions to permanent residential aged care was 82 years for men and 84.5 years for women (Department of Health, 2017-18 Report ... Read more

Taxation & Estate Planning

Superannuation death benefits

YVONNE CHU | Comments | FRIDAY, 26 OCT 2018

A lump sum superannuation death benefit paid to someone who is not a death benefits dependant for tax purposes can be subject to significant tax (refer to Table 1 for details). In contrast, lump sum ... Read more

Enduring powers of attorney

KERSTIN GLOMB | Comments | FRIDAY, 27 SEP 2019

Most people have come across enduring powers of attorney (EPA), but there is still uncertainty around what an attorney can and cannot do. An EPA is a legal document that allows a person (which may be ... Most ... Read more

Compliance

Debatable ethics

ELIZABETH MCARTHUR | Comments | FRIDAY, 15 NOV 2019

A debate is raging about what the Financial Adviser Standards and Ethics Authority's Code of Ethics means for ESG investing and advising clients on ethical investment options, with FASEA chief executive ... A ... Read more

Applied Financial Planning

How to align pricing with value

NALIKA NANAYAKKARA | Comments | FRIDAY, 4 OCT 2019

Firms must recalibrate their pricing models and do a better job of communicating their value to clients. Nearly half of discretionary wealth management clients are dissatisfied with the fees they pay ... Firms ... Read more

Latest News


Centrepoint Alliance posts $1.6m NPAT KANIKA SOOD Centrepoint Alliance reported $1.6 million in NPAT for the December half, as its total adviser numbers dropped slightly to 308.	Ignition Advice enters UK market ELIZA BAVIN Fintech Ignition Advice has announced it will move into the UK market, establishing new teams in London and Edinburgh.

IOOF to spend big on BOLR KANIKA SOOD IOOF expects to spend up to $32 million on paying out Buyer of Last Resort arrangements with financial advisers leaving its network, primarily from Bridges Financial Services.	FPA names Gwen Fletcher Memorial Award winner ELIZA BAVIN The Financial Planning Association of Australia (FPA) has named Melbourne-based financial planner Renato Manias as the first 2021 winner of the Gwen Fletcher Memorial Award.

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Cover Story

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No shame in dreaming

VICTORIA DEVINE
MANAGING DIRECTOR
ZELLA WEALTH PTY LTD

The podcast She's on the Money has become a personal finance juggernaut and catapulted its founder and Zella Wealth director Victoria Devine into the public eye. But she doesn't want to make it all about her, instead she's focused on the power of money to change lives. Elizabeth McArthur writes.

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Simon Gvalda Recruitment Consultant Kaizen Recruitment Pty Limited	Adrian Martuccio Portfolio Manager Bell Asset Management	John Dyall Head of Investment Research Rainmaker Information	Sean Cookson Vice President and Managing Director - APAC Financial Recovery Technologies
Who owns the clients in an advice business?	Six things to watch this reporting season	What exactly happened with GameStop	Class action settlements may be available to advisers' clients
One of the main questions I am asked by employers when recruiting for financial advisers is, can the adviser bring across clients? While this request ...	With the US election behind us and a considerably more stable political environment expected, it is anticipated that many companies will be more forthcoming ...	At the end of 2020 there was a collective sigh of relief that 2020 was over. For good. Forever. Sorry. If the short squeeze on Gamestop tells us anything ...	For financial advisers, participating in shareholder class actions on behalf of clients may seem an impossibly complex task. However, through technology ...
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