CPD: The rising cost of living and retirement

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It’s been a challenging time for Australia’s retirees. The Covid-19 pandemic threatened their health and caused many to be isolated from family, friends and community. Covid remains a risk, particularly to older Australians…and then on top of that is the spectre of rampant inflation. While no one expects Australia’s inflationary experience to mimic the 1970s,... Read more

CPD: Emerging Markets equities – Long term growth opportunities abound

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Emerging market have complicated governance structures, evolving macroeconomics and immature institutions, which leads them to be dynamic, complex and their stocks volatile. Emerging Markets specialist Ashmore Investment Management, a PAN-Tribal Asset Management investment partner, examines the benefits of exposure to emerging market equities. The complexities exhibited by Emerging Markets (EM) creates significant market inefficiencies and... Read more

CPD: A stock-take for dividend seeking investors

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A stock-take of Australian equity dividends from an investor’s perspective results in a number of conclusions. Max Cappetta, CEO of GSFM investment partner Redpoint Investment Management shares five key takeouts. In the year ended 30 June 2022, shareholders were rewarded with more than $90 billion in cash dividend payments, a record level and an incredible... Read more

CPD: Ethics and inappropriate financial advice

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Earlier this month ASIC revealed that six of Australia’s biggest banking and financial services institutions have paid or offered over $3 billion in compensation for financial advice-related misconduct. Much of this resulted from the 2018 Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry, the ripples from which are still being felt... Read more

CPD: Adviser briefing – genetic testing in life insurance

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2022 review of life insurance genetic testing moratorium In June 2022, Australia’s life insurers announced[1] their intention to cease their membership of the Financial Services Council (FSC) and form a new representative body, the Council of Australian Life Insurers (CALI). In 2019 a Moratorium[3]  on genetic testing in life insurance was introduced in response to... Read more

CPD: The inflationary implications of deglobalisation, demographics and decarbonisation

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In a reflationary environment, GSFM’s investment partner Epoch expects investors to exhibit an increased focus on capital allocation, as well as quality and sustainable free cash flow. All is explained in this article from Epoch Investment Partners. Until recently, we had been in a disinflationary environment since the 1980s, when Volcker helmed the US Federal... Read more

CPD: Greenwashing – a major financial consumer protection challenge

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Greenwashing, and the importance of being kind to trees Some readers with more than a few miles on the clock may remember a comedy show from the 1990s, Absolutely Fabulous, about a shambolic and vacuous Public Relations expert, Edina Monsoon. In one of the show’s more memorable scenes, Edina’s daughter Saffy questions the meaning of... Read more

CPD: Retirement – the move to residential aged care

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Not all older Australians need residential aged care; however, for those that do need to access it, the process is complex and the costs significant. This article, proudly sponsored by Russell Investments, explores these issues. Retirement is often divided into three clear stages. Although the nomenclature can vary, each segment is consistently described. The first... Read more

CPD: Best practice client engagement – Understanding women as the drivers of investment growth

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Jedi Knights, Millennials, and other Census tales Yes, it’s that time again. Every four years, we get to pore over the Census results and see how the picture of Australia has changed. As you can imagine, collecting and analysing the data from 25 million people and 10 million households is a mammoth exercise, which is... Read more

CPD: Sustainable investing in Emerging Markets equity – seven implications for investors

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The terms ‘ESG’, ‘Responsible’ and ‘Sustainable’ have become commonplace in the investment industry. This article frames the strong interconnectivity between financial returns and environmental and social values, the importance of which is pronounced in Emerging Markets. Emerging Markets specialist Ashmore Investment Management, a PAN-Tribal Asset Management investment partner, considers seven implications for investors. Although the... Read more