May 2015

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Investing

Rising rates a seminal point

26 May 2015 |

pointThere are indications that the US Federal Reserve will soon start to raise interest rates. It is a sign that the unique investment conditions caused by the GFC are starting to alter.


A good benchmark

20 May 2015 |

BenchmarkWhat should super investors regard as a good yardstick for their investment returns over time? There are some indicators.


More questions over the bank sector

25 May 2015 |

BanksectorBanks have been the safe haven for SMSF investors. But they now dominate the ASX. Is it time to take a close look?


Problems with the yield play?

24 May 2015 |

yieldBuying Australian shares for their dividend yield has been a sound strategy for DIY super funds. But with earnings coming under pressure there may be some difficulties looming on the horizon.


The dangers of the search for yield

11 May 2015 |

Hidden

A comment about SMSF investing into shopping centres implies the potential dangers of going for yield in tough investment times.


Is the bank play in trouble?

04 May 2015 |

BankMost super investors who look at the stock market have invested heavily in Australian banks. The tax advantaged dividends have made it a good investment for a long time. But is the party partially over?


News

Mortgages v super, the battle of the giants

20 May 2015 | David James

GiantsThe two biggest pools of capital in the country are residential property and superannuation. The debate about whether the super contribution would be better used to pay off mortgages reflects that.


What we learned this week 29 May

28 May 2015 | Staff reporter

learnSuper tax benefits exaggerated, discretionary trusts to be targeted by ATO, advisers and accountants preferred, 1 million SMSFs, Australian recession, why Chinese buy Australian property.


What we learned this week 22 May

21 May 2015 | Staff reporter

learnProblems with projecting final outcomes, especially income in retirement; SMSFs move away from cash; Labor's tax slug worse than thought; Coalition's policy to hit middle income retirees; Australia's high tax burden and Portugal's negative interest rates.


What we learned this week 15 May

14 May 2015 | Staff reporter

learnOne Budget SMSF surprise but overall no major changes, bad news for rich pensioners, signs of reflation and a possible bubble in oil and commodities.


What we learned this week 8 May

07 May 2015 | Staff reporter

learnResidential property not big factor in SMSFs, compliance fees, NAB not to lend for property in SMSFs, investing in cash under water, the importance of risk management, the impact of falling bond rates.


Economics

Have interest rates bottomed?

10 May 2015 |

Bottom

The Australian economy is wedged between a recovering US and a slowing China. But it does seem likely that the interest rate falls may be nearing their end.


Chasing yield is getting harder

05 May 2015 |

HarderThe RBA's decision to drop interest rates again has made it difficult for those relying on term deposits for their income. Finding the right sort of yield remains a problem.


Portfolio

When is a retiree rich?

27 May 2015 |

RichA million dollars may sound like a lot of money. But when you look at the income you get, especially in an environment of low interest rates, it is not.


How to avoid gambling

10 May 2015 | David James

Casino It is often thought that investment is a gamble. It should not be. There is risk, but the risk can be managed and embraced.


Super

SMSFs and business ownership

27 May 2015 |

BusinessPutting a commercial business into super is possible, but requires care.


The politics of super emerges for the first time

19 May 2015 | David James

DrawThe growing pool of super funds has been a quiet influence on politics and the Australian economy for some time. But with the major political parties developing different policies, the previously submerged effect is about to come to the surface.


 

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