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By the time retirement savers realise the error of their ways, it may be too late

While the upcoming federal budget may bring yet more changes for SMSFs, here are some of those already in the pipeline for 2022.

Amid rising inflation and interest rates and geopolitical tensions, it could be time for investors revsit their portfolios.

There are rules to be aware of before diving into the sector.

Countering the effects of inflation should be an important focus of retirement plans.

The first five to seven years of retirement set the tone for withdrawal rates.

There’s a path forward, no matter when you start your retirement-plan contributions.

History's lesson is straightforward: the more stocks, the merrier.

Large funds claim they can save millions by internalising their investment management teams, but is it all upside for members? Annika Bradley explores this growing trend.

Local funds are bolstering their sustainable options.

A review of an earlier report, which had Australia in bronze position, points to some reasons why, and what might need to happen to regain our former glory.

A lower starting withdrawal rate doesn't guarantee you'll have to live on less.

Amid a wave of mergers, funds have been forced into survival mode.

The younger generation’s drive into SMSFs should give the sector a further growth boost, putting pressure on incumbents to lower fees and enhance services.

The highly volatile asset class has the potential to run wild in a retirement system promising control.

SMSFs give investors the latitude to make big bets with their retirement savings.

A small number of self-managed 'mega-funds' are causing a stir, writes Anthony Fensom.

You don't need a big salary. The magic of compounding will do the heavy lifting.

Thousands of age pensioners are now wealthy beyond their wildest dreams; they did one brilliant thing that set them up for life and retirement.

We take a numerical look at superannuation as several funds get an “F” from the government.

The long list of requirements on trustees just got longer.

With yields at historic lows, older investors are being forced to look beyond traditional sources of income. 

The order of when things happen can be your friend or your foe.

Who knew? With some surprise results, the Government is on unexpected firm ground in asking people to draw on all their assets in retirement.

Labor has laid down its arms but the generational retirement wars are just beginning.

The Government has taken the next step towards encouraging retirees to live off their capital, requiring trustees—even in SMSFs—to offer a retirement income product to protect longevity risk.

But financial planners say investors should be devoting more of their household wealth to equities rather than property to diversity their financial risk.

After a record year, trustees think equity markets still have room to run.

Putting the right steps in place can minimise the risk of costly disputes, writes Anthony Fensom.

Industry experts react to the federal government's major shake up of superannuation policy.

The Government calls 'Your Future Your Super' the most significant reforms since the start of compulsory super. Stapling has benefits and we should remove poor funds, but performance comparisons are difficult. 

A return to normality brings with it an increase in the cost of enjoying a ‘comfortable’ retirement, writes Anthony Fensom.

Take advantage of opportunities and avoid a knock on the door. Here are 25 items to check.

The Budget handed down  this week delivered many welcome changes to superannuation. However, they are subject to legislation and at best, the start date will be 1 July 2022.

The rules around contributions and fund governance are changing.

Many self-funded retirees will outlive their savings as most men and women now aged 65 will survive at least another 20 years. Compare your spending with how much you earn to see how long your money will last.

Several superannuation thresholds will be indexed from 1 July 2021, and it's critical to check the new opportunities to put more into the tax advantages of super. Some of the calculations are tricky, others easy.

Calculating your own inflation rate is better than using a blunt measure like CPI, writes Christine Benz.

We compare different strategies for generating cash flows, from pure total return to income-centric approaches to annuities.

A review can boost your savings and help shield you from oncoming volatility, writes Anthony Fensom.

The solutions to retirement problems are obvious. All we need are 'efficiency' and 'flexibility'. Learn what these two words mean and the future of superannuation policy is clear. Just don't tell Paul Keating.

These common trouble spots can catch retirees off guard (who don't plan for them).

These six steps tackle a lot of jobs: refilling cash, rebalancing and tax planning.

The Retirement Income Review demonstrated limited understanding of the risks faced by self-funded retirees implementing rational human behaviour. Spending to qualify for the age pension is not a solution.

Administration costs can rise for complexity, especially owning property in an SMSF, but fees are highly competitive from a wide range of service providers. The break-even cost is less than previously reported.

The trick is to avoid ending up in your twilight years with too much money that you wished you’d enjoyed earlier, writes Anthony Fensom.

The Retirement Income Review goes much further than an innocent-sounding 'fact base', and is sure to guide policies in the run up to the next election. It will change how we think about retirement incomes.

The 4 per cent withdrawal rate in retirement is an industry standard, where a retiree can expect not to run out of money. Its creator, Bill Bengen, explains its use to Michael Kitces. 

In Budget 2020, Josh Frydenberg announced a performance comparison tool and fund stapling to save Australians $17.9 billion over 10 years. But too many moving parts make results highly cyclical.

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Video

One of the most underappreciated dangers of investing Should the home affect Age Pension eligibility? There’s more to running an SMSF than paperwork and penalties
One of the most underappreciated dangers of investing Should the home affect Age Pension eligibility? There’s more to running an SMSF than paperwork and penalties
 
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