The myth about super fees
Research suggests that lower super fees have little correlation with fund performance and overall retirement outcomes. To an extent it plays to the age old adage, you get what you pay for. We touch on some of the issues in this brief article.
Read MoreCentrelink Gifting Rules Explained
One of the most common questions we are asked is “how much will Centrelink allow me to gift”. We’ve got a simple explanation to help you understand.
Read More2015 financial year in review
Despite the challenges we have seen this past year, markets have actually delivered good returns. Recent issues in China and Greece combined with widespread media “noise” have resulted in increased market volatility, however this has not stopped a few asset classes outperforming their long term average, and you might be surprised which ones.
Read MoreInvestment Talk – Loss Aversion
Evidence suggests the pain of losing $100 is felt more than twice as much as the pleasure of gaining the same amount (Kahneman and Tversky, 1992). This behavioural trait has led researchers to coin the term ‘loss aversion’.
Read MoreMuirfield eNews – Winter 2015
If you enjoy discounts and saving money then you’ll love this Winter edition of our eNews as we uncover some great deals on offer for our senior friends. We’ve also given you an insight into the things that have been happening at Muirfield. Although it isn’t all fun and games. The new financial year serves as…
Read MoreInvestment Talk – Market Timing
“In the business world, the rear view mirror is always clearer than the windshield” – Warren Buffett.
We are all subject to behavioural biases, the most serious perhaps being a tendency to extrapolate recent developments into the future regarding investment returns. If the recent past has been poor many investors tend to assume this will continue going forward and as a result will want to sell out or vice versa. However such a mentality only serves to wrong foot investors in the market cycle.
Read MoreAutumn eNews 2015
The 2015 eNews draws to a close what has been a lackluster summer in terms of the scorching heat we typically endure. In this edition we have replaced the staff in spotlight with a new ‘investment talk’ section. Our main articles include a discussion about whether to downsize your home or not, information on Centrelink concession…
Read MoreHow To Benefit From Tax Free Income In Retirement
Death and taxes: the two certainties in life. When considering investing for retirement, and then receiving income from that nest egg, it has to be factored in that people are living longer and that taxes are highly unlikely to fall. Building a sizeable nest egg is a large piece of the conundrum of living a…
Read MoreLearn To Think Like An Investor And Secure Your Income In Retirement
Unless a person is expecting to inherit a million dollars or more, the fact is that the only way to ensure a happy retirement is to plan for it. This planning necessarily involves investing for the future (cash simply won’t cut it as a long term option). For many, the idea of being an investor…
Read MoreIs SMSF The Best Investment Option For Your Retirement Nest Egg?
Poor managed-fund performances and high charges and fees (irrespective of that performance) are contributory factors which have encouraged unprecedented numbers of Australian investors to take the Self-Managed Super Fund route. To date, more than 700,000 SMSFs have been formed with a total of $600 billion, and this number is growing faster than the whole industry.…
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