Volume 11 Number 2

Volume 11 Issue 2

Applied Financial Planning

ROGER MONTGOMERY | Comments | FRIDAY, 24 JUN 2016

The S&P/ASX 100 (XTO) is a stock market index capturing Australia's top 100 companies by market capitalisation. It accounts for 63% (at April 2016) of the Australian equity market, however it ... The ... Read more

$1.6M balance cap examined: more tax on death benefits

DANIEL BUTLER | Comments | FRIDAY, 24 JUN 2016

The proposed $1.6 million superannuation balance cap will, if introduced, result in substantial changes from 1 July 2017 and is likely to generate significantly more tax on the payment of death benefi The ... Read more

The new recruit to your alpha team

RAEWYN WILLIAMS | Comments | FRIDAY, 24 JUN 2016

'Alpha' as an investment concept is well understood. It is the difference between a portfolio's actual return and the return expected from the portfolio based on its exposure to the market ... 'Alpha' ... Read more

Developing financial knowledge

SPDR PRACTICE MANAGEMENT, STATE STREET GLOBAL ADVISORS | Comments | FRIDAY, 24 JUN 2016

Financial literacy is the ability to use knowledge and skills to manage one's financial resources effectively for lifetime security. It is a continuum of abilities that is subject to variables such ... Financial ... Read more

Retirement

Designing retirement solutions that deliver income for life

CRAIG HURT | Comments | FRIDAY, 24 JUN 2016

Regulation in our market is changing the way that retirement income solutions are built. This paper, developed with the global experience of both AXA Life Invest and AXA Investment Managers, looks at ... Regulation ... Read more

The need for a richer suite of retirement products

JEFF ROGERS | Comments | FRIDAY, 24 JUN 2016

Designing appropriate investment strategies for retirees is more challenging today than it has ever been. In the past, nominal and real interest rates were higher while average life expectancy was shorter. Designing ... Read more

SM Bonds: A public-private partnership for longevity risk management

SHAUNA FERRIS | Comments | FRIDAY, 24 JUN 2016

There is a consensus of opinion: retirement income products which are currently available in the Australian market are not meeting the needs of our retirees. Too many people are seriously worried about ... There ... Read more

A new approach

KERRIE SYDEE , DAVID REED | Comments | FRIDAY, 4 MAR 2016

FS Advice spoke with 2015 AFA Adviser of the Year, David Reed, who believes that financial advice must move into a retirement coaching role to enable clients to achieve their goals. FS Advice spoke ... Read more

Retirement income adequacy - are we still making progress?

JOHN BURNETT , NICK WILKINSON | Comments | FRIDAY, 24 JUN 2016

While investment markets performed strongly from 2010 to 2014, there haven't been corresponding improvements in the projected retirement income adequacy for all groups, especially for couples. A ... Read more

Superannuation

Was the Federal Budget all bad news?

DAVID O'CONNELL | Comments | FRIDAY, 24 JUN 2016

It's now been several months since Scott Morrison handed down his first Federal Budget on 3 May 2016, with significant proposed changes to the superannuation system. It's now been several ... Read more

International managed portfolios: A gateway for SMSFs to invest overseas

ANDREW ALCOCK | Comments | FRIDAY, 24 JUN 2016

According to the Australian Tax Office's (ATO) latest data, SMSFs have generally had very little exposure to overseas assets. This could be viewed as contradictory to the fundamental principles of ... According ... Read more

Investment

The rise of the millennials

AMANDA YOUNG | Comments | FRIDAY, 4 MAR 2016

The financial industry and the products it supplies have always evolved to meet market challenges and opportunities. Today is no different. One of the key factors that will drive the industry over the ... The ... Read more

What has everybody been worried about?

TODD MCCLONE | Comments | FRIDAY, 24 JUN 2016

Despite recent signs of improvement, investor sentiment about emerging markets has been fundamentally depressed over the past year. Relative to their historical positioning, global institutional investors ... Despite ... Read more

Risk is in the eye of the beholder

SCOTT LAWRENCE | Comments | FRIDAY, 24 JUN 2016

With our investor's best financial interests in mind, how can we best navigate through the uncertainty of financial markets? With our investor's best financial interests in mind, how can ... Read more

Bonds Live to Die Another Day

ANDREW CORMACK | Comments | FRIDAY, 24 JUN 2016

The Australian pension industry is one of the fastest growing holders of retirement assets globally. Between 2005 and 2015 pension assets grew at an annualised rate of 9.2%, outpacing the global average ... The ... Read more

Investing in the grey boom

CHRIS DEVES | Comments | FRIDAY, 24 JUN 2016

Real estate, given its functional and intrinsic value, is a corollary of social forces. It is the brick-and-mortar response to how we live our lives and which goods and services we demand. As an asset ... Real ... Read more

Building a "Smart Carbon" portfolio

IAN SIMM | Comments | FRIDAY, 24 JUN 2016

The debate around the "carbon bubble", un-burnable carbon, stranded assets and fossil fuel divestment has attracted significant media and analyst attention. High profile, headline remarks are ... The ... Read more

Latest News


Former adviser cops 12 years in jail HARRISON WORLEY A former Brisbane financial adviser will serve at least six years behind bars, after being found guilty of six charges of dishonestly causing detriment to clients to the tune of $5.9 million.	Dealer group shuts after advisers depart KANIKA SOOD A dealer group boss decided to close down its Australian Financial Services License after finding it hard to restock advisers with the FASEA education requirements.

ASIC nudges robo-adviser to shutter ELIZABETH MCARTHUR A digital advice firm has voluntarily shut down two robo-advice tools after ASIC raised concerns.	CountPlus firm acquires advice boutique HARRISON WORLEY A member of the CountPlus network has acquired a boutique financial planning practice.

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Listen to the new wave

GLEN JAMES
SENIOR FINANCIAL ADVISER
IDENTITY MCINTYRE FINANCIAL GROUP

From starting his own business at the tender age of 25 to cutting through the saturated podcast market - nothing is holding Glen James back, and he kind of knows it. Elizabeth McArthur writes.

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Katie Johnston Senior Associate The Fold Legal	Sarah Penn Director Mayflower Consulting Pty Ltd	Phil Anderson General Manager Policy & Professionalism Association of Financial Advisers	Eugene Ardino Chief Executive Officer Lifespan Financial Planning
BOLRS aren't a sure thing	Who should REALLY see a financial planner?	Access, affordability are collateral damage	Government should increase access to advice, not reduce it
The challenges for AMP advisers with their buyer of last resort arrangements (BOLRs) has dominated the headlines. Many other advisers have BOLR arrangements ...	Of the 120,000 or so people who work in wealth management in Australia, only 20,000 are financial planners. Most of the other 100,000 work for product ...	Anyone who has worked closely with financial advisers, knows that they are an enthusiastic and energetic group who are great with people and optimistic ...	The release of ASIC's Report 627 Financial advice: What consumers really think, highlighted that among Australians who have received professional ...
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