Business and Economy > Michael West >

Super is catching up, but ageing is a triple-threat

Super is catching up, but ageing is a triple-threat

The need for a reliable source of retirement income is a demographic shift 70 years in the making. Yet, it is only one of three megatrends currently disrupting the retirement sector. An ageing population is placing pressure on Australia’s superannuation and retirement system, while driving a sharp rise in demand for better aged care. Underlying these ...
Want your loved ones to inherit your super? You can’t afford to skip this one step

Want your loved ones to inherit your super? You can’t afford to skip this one step

What happens to our super when we die? Most Australians have superannuation accounts but about one in five of us die before we can retire and actually enjoy that money. If we do die early our money is paid out as super “death benefits”. They can be substantial. Even people who die young can have $200,000–$300,000 of death benefits through super life ...
Sixteen steps in a typical SMSF borrowing

Sixteen steps in a typical SMSF borrowing

SMSF borrowing requires timing and precision that would be unexpected for someone buying an investment property. The investment property in a DIY structure is not held in the borrower’s name but by the trust that administers the super fund. Before engaging in a limited recourse borrowing, the superannuation trust deed may need to be amended before the ...
Do HNWI get better advice?

Do HNWI get better advice?

There are several studies that show that retail clients who get advice from brokers do not end up with better portfolios or improved performance. Here is a classic study from Canada that shows that while good advisers can create enormous value for clients, the average adviser does not. What made me perk up, though, was when I came across a study of ...
AFL Final Ten with wildcard edit ‘unlevels’ the field

AFL Final Ten with wildcard edit ‘unlevels’ the field

The AFL has announced a move this season to a Final Ten by adding a ‘wildcard’ round to its existing Final Eight format. But has it got the formula right? First, a recap of the Final Eight system that has been in place since 2000, according to final ladder positions. Week 1 Game One: 1 v 4 Game Two: 2 v 3 Game Three: 5 v 8 Game Four: 6 v 7 Week ...

Super is catching up, but ageing is a triple-threat

Super is catching up, but ageing is a triple-threat
The need for a reliable source of retirement income is a demographic shift 70 years in the making. Yet, it is only one of three megatrends currently disrupting the retirement sector. An ageing population is placing pressure on Australia’s superannuation and retirement system, while driving a sharp rise in demand for better aged care. Underlying these ...

Want your loved ones to inherit your super? You can’t afford to skip this one step

Want your loved ones to inherit your super? You can’t afford to skip this one step
What happens to our super when we die? Most Australians have superannuation accounts but about one in five of us die before we can retire and actually enjoy that money. If we do die early our money is paid out as super “death benefits”. They can be substantial. Even people who die young can have $200,000–$300,000 of death benefits through super life ...

Sixteen steps in a typical SMSF borrowing

Sixteen steps in a typical SMSF borrowing
SMSF borrowing requires timing and precision that would be unexpected for someone buying an investment property. The investment property in a DIY structure is not held in the borrower’s name but by the trust that administers the super fund. Before engaging in a limited recourse borrowing, the superannuation trust deed may need to be amended before the ...

Do HNWI get better advice?

Do HNWI get better advice?
There are several studies that show that retail clients who get advice from brokers do not end up with better portfolios or improved performance. Here is a classic study from Canada that shows that while good advisers can create enormous value for clients, the average adviser does not. What made me perk up, though, was when I came across a study of ...

AFL Final Ten with wildcard edit ‘unlevels’ the field

AFL Final Ten with wildcard edit ‘unlevels’ the field
The AFL has announced a move this season to a Final Ten by adding a ‘wildcard’ round to its existing Final Eight format. But has it got the formula right? First, a recap of the Final Eight system that has been in place since 2000, according to final ladder positions. Week 1 Game One: 1 v 4 Game Two: 2 v 3 Game Three: 5 v 8 Game Four: 6 v 7 Week ...