According to IPOS an independent research company who interviewed 2,000 Australians during 2016, success is all about the personal and not the external, about experience rather than materialism and re[...]
MLC has commissioned IPSOS to prepare a three-part independent whitepaper to explore the challenge of how to get more Australians to think about their retirement. The research, which surveyed more tha[...]
Peter Costello’s 2006 simplified superannuation rules seem a lifetime ago. In complete contrast the 2016 Federal Budget contains complexity, retrospective rule changes and personal and company tax[...]
“Still today, the definition of investment risk remains the volatility of share prices…we refuse to accept volatility as a problem. Our primary risk is not losing money but outliving it.” –[...]
In light of the recent market pullback we have provided the following charts to provide perspective of the longer term which paints a much different picture: The first chart below shows the return of [...]
With government finances continuing to decline and our federal treasurer suggesting working Australians should forget about relying on the aged pension we thought the following riddle might make for g[...]
In building an investment strategy to provide independent income streams for life after work we continue to analyse different asset returns given the impact of inflation is often underestimated. Eve[...]
To ensure clients continue to get optimal investment outcomes we are continually seeking out reliable research and in the last few weeks the 30 June 2015 SPIVA Scorecard was released. This is a regu[...]
At the height of the GFC in 2008, a $500,000 lump sum was enough to generate income equal to the aged pension. Today with interest rates plummeting to generational lows the lump sum has blown out to[...]
In late May 2015 the banking regulator (APRA) has tackled the banks in an attempt to curb a rapid expansion in investor lending (and rapidly increasing property prices mainly in NSW and VIC) given 50+[...]