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


Advice for all could add $630bn to economy JAMIE WILLIAMSON If all Australians were to receive financial advice and properly implement that advice, the economy would grow by $630 billion a year while Age Pension spending would go down by more than 20%, new research shows.	End of the road for advice qualifications JAMIE WILLIAMSON Described as the 'end of an era', the Diploma of Financial Planning and Advanced Diploma of Financial Planning have been removed from the national regulator's register of vocational education and training.

Franking credits more important than ever ELIZA BAVIN Many retirees are missing out on additional income because their Australian equity portfolios do not take advantage of the taxation system, according to Plato Investment Management.	Imbalance in generational retirement income: RIR ANNABELLE DICKSON The superannuation system encourages Australians to rely on their own savings to fund retirement but the burden on younger generations to fund the Age Pension should not become unsustainable, the Retirement Income Review has stated.

Videos

Brought to you by

A Pandemic Playbook: To Infinity and Beyond

MORE VIDEOS ►

Get it Weekly

Read the latest news and white papers. Get the FS Advice Weekly Newsletter.

Cover Story

MORE STORIES ►

In safe hands

HUGH ROBERTSON
PRINCIPAL ADVISER
CENTAUR FINANCIAL SERVICES PTY LTD

Centaur Financial Services principal adviser Hugh Robertson doesn't need shortcuts. His business is built on a philosophy of sticking to the fundamentals and staying the course. Even with all the curve balls 2020 has to throw, he's confident the tried and true will prevail. Elizabeth McArthur writes.

READ MORE ►

Expert Feed

MORE EXPERT FEEDS ►


Jamie Williamson Journalist Financial Standard	Nicole Alexander Head of Licensee Standards Centrepoint Alliance Limited	Kate Fellows Paraplanner The Professional Paraplanner	Eugene Ardino Chief Executive Officer Lifespan Financial Planning
Celebrating the FS Power50	Considering self-licensing?	Who rules the world? Paraplanners!	How to make advice affordable
Announced today, we celebrate the seventh annual FS Power50, highlighting the 50 most influential financial advisers in Australia. Compiling such a list ...	Whenever there is disruption in the financial advice industry, such as the exit of some of the larger institutions from the industry seen in the last ...	If tech and digital advice are going to rule the 'new' world of advice, who will run it? It is a question I ask of paraplanners regularly. Let's ...	In this second of a two-part editorial, Lifespan Financial Planning Chief Executive Eugene Ardino identifies the key changes required to make advice more ...
READ MORE ►	READ MORE ►	READ MORE ►	READ MORE ►

Industry Events

MORE INDUSTRY EVENTS ►

NOV

25-27

FPA Professionals Congress

►

NOV

Best of the Best

►

NOV

ANZIIF - 2020 South Australian Charity Luncheon

►

DEC

2020 Cyber Insurance 101

►

DEC

Webinar: Adding Value to Investment Management Clients - An Overview of the CIMA Certification

►

Your Opinion

MORE POLLS ►

Should the Tax Practitioners Board be axed for financial advisers?

Professional Subscription for $295
(inc GST) for 1 year.

Premium Subscription for $395
(inc GST) for 1 year.

Principal Subscription for $495
(inc GST) for 1 year.

ACCESS MORE CONTENT

FS Advice

The Australian Journal of Financial Planning.

MORE INFO ►

ACCESS MORE CONTENT

FS Super

The Journal of Superannuation Management.

MORE INFO ►

ACCESS MORE CONTENT

FS Private Wealth

The Journal of Family Office Investment.

MORE INFO ►

ACCESS MORE CONTENT

FS Managed Accounts

The Journal for Managed Account Professionals.

MORE INFO ►

Download the app

Premium subscribers can access even more content from Financial Standard.

► AFSL Support Services	► Research Houses

► Cash Flow Financing	► Research Services

► Contracts for Difference	► Retirement Products

► Education & Training	► Reverse Mortgages

► Industry Associations	► Stockbroking Services

► Investment Managers	► Structured Investments

► Managed Accounts	► Super Funds Personal

► Margin Lending	► Super Funds SMSF

► Online Brokers	► Super Funds Workplace

► Portfolio Services	► Technology Providers

► Recruitment Firms	► Third Party Marketing