Advice

Pre-retirees concerned and underprepared

Almost one in three Australians do not believe they will be in a comfortable financial position when they retire and half of those nearing retirement have not begun planning for it, according to a new study.

The research prepared by Australian Unity and Empirica into retirement planning collated the responses of 1000 baby boomer Austra...

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Why all the fuss about family trusts?

Affluent Australians usually hold their investments in some combination of superannuation, family trusts and direct ownership of negatively geared property. Over the last year, changes in superannuation rules and more challenging property market conditions have shifted the relative benefits of these arrangements. Family trusts have become com...

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The impact of super changes on estate plans

The introduction of the $1.6 million transfer balance cap will affect the insurance and estate plans of many superannuation members. In my last article, I discussed why members must review any insurance they hold in super. Additionally, the transfer balance cap places a limit on the amount that can be paid as a death benefit pension and any e...

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The Problem With the Relentless Pursuit of Happiness

I tweeted the following this week and received a pretty decent response: You would never realize we live in one of the most peaceful periods in human history when you watch the terrible stories on the news every day. Apathy as a strategy can work to your advantage when most things in life are out of your control anyway. And the resea...

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How to define spending goals in retirement

  Retirees looking to develop a sustainable financial plan face a challenging technical problem, so it makes sense to simplify some of the inputs. Those of us who focus on the production of investment returns for retirees' financial assets often choose to make simple assumptions about consumption patterns in retirement. A more de...

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