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


Global institute launches free expat advice resources KARREN VERGARA \| 12:20PM A global institute is opening its membership and resources for free to financial advisers who want to service Australian expatriates.	AMP trims platform fees KANIKA SOOD AMP Australia is reducing fees on its platforms, in a bid to attract more clients.

Research aims to solve cash conundrum ELIZABETH MCARTHUR With record-low interest rates set to stay in place for some time, Allianz Retire+ has released new research looking at how best to solve the cash conundrum.	Former adviser cops eight-year ban KARREN VERGARA A former ANZ and Infocus Securities financial adviser has been banned for eight years after ASIC found evidence of forgery and falsifying documents.

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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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Judith Beck Author Admin Special Accounts	Simon Gvalda Senior Recruitment Consultant Kaizen Recruitment Pty Limited	Sarah Penn Director Mayflower Consulting Pty Ltd	Phil Anderson General Manager Policy & Professionalism Association of Financial Advisers
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Do you want to know why men are elevated to the top jobs in higher numbers than women? Do you think it is because women are discriminated against? You ...	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 ...	Learn why the safety in numbers approach won't help you reach the October 5 deadline for workable target market determinations It's not said out loud ...	In the debate on the Hayne Royal Commission Response Bill 2020 (on annual renewal) in the Senate on 25 February 2021, there was one speech that stood ...
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