CPD: The gift of education – and the hidden costs of funding it

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Benjamin Franklin said that “an investment in knowledge pays the best interest”; however, given prevailing interest rates and the spiralling costs of education, saving enough to fund the educational needs of your clients’ kids or grandkids can be a significant challenge. Here, Neil Rogan, Head of Investment Bonds for Centuria, looks at the benefits of […]

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CPD: Beware the ‘reflation trade’ in financial markets – if it looks certain, it probably isn’t

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Reflation trade Since the election of President Trump, financial markets have begun to price in significant tax cuts and infrastructure spending for the US economy. In addition, there is the belief the economy is operating near capacity. Combined, these two factors further the belief that inflation is on the way, because employers will need to […]

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Do I boost my super or reduce my home loan?

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Does it make sense to make additional concessional contributions to superannuation if you still have non-deductible debt such as a home loan? The maths is simple for an average couple on the average tax rate. If $1 of earned income is paid to their personal bank account, the tax man currently collects 39 cents in […]

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Key issues in estate planning using trusts

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A look at two important family trust issues that advisers may come across in establishing or managing the workings of a client’s estate planning using trusts. Issue #1: Who should be the Appointor of my Family Trust? When completing an instruction form for arranging a new family trust for a client, it is very likely […]

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How the scientist invested and won

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Three years ago, we posed the question, How would a scientist construct a portfolio?. The results are in and the investment performance is as the scientist predicted. In 2013 the CSIRO-Monash Superannuation Research Cluster released a paper Is fundamental indexation able to time the market? Evidence from the Dow Jones Industrial Average, concluded that equal […]

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Japanese investors key to global real assets funding

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Investors from Japan are primed to play a key funding role for global infrastructure and real estate, according to analysis from AMP Capital. With assets under management approaching ¥500 trillion (approximately US$4.4 trillion), the Japanese institutional investment environment is undergoing a transformation and represents a substantial source of capital for investment into real assets across […]

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CPD: Margin lending – the basics

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Margin lending is a form of gearing whereby investors borrow money to invest in shares, exchange traded products (ETPs) and managed funds. There are good reasons to use margin loans, but it is not without its risks. In this article, OpenMarkets examines the basics of margin lending – what it is, how it works, the […]

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Proposed changes to default super to deliver enhanced choice and better financial outcomes

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The Productivity Commission (PC) has recommended changes to the $474 billion default super market that would encourage greater customer choice and engagement.  If enacted, the changes will result in employees holding fewer super accounts, potentially delivering them better financial outcomes through improved returns and reduced fees. The draft report[1] proposes four model alternatives to allocate […]

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CPD: Debunking conventional wisdom

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Grant Samuel Funds Management recently hosted Scott Weiner, managing principal and portfolio manager with fixed income specialists Payden & Rygel. Scott presented to a number of financial advisers around the country and shared a series of insights aimed to debunk some of the conventional wisdom that prevails in the world of economics and investment. In […]

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Super industry expects 2017 to be better than last year

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The pace and poignancy of change has certainly heightened in the past few months; spurred on by new leadership in the US, as well as increasingly innovative ways organisations, are using technology. If Amazon (soon to hit our shores in a big way) can sell cars online, while Alibaba has become the world’s biggest e-commerce […]

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