Managed Funds

INSIGHT

Tougher times ahead for self-managed funds

Clancy Yeates When the global financial crisis savaged retirement savings in 2008, many self-managed super funds escaped the devastation better than other super funds.

INTELLIGENT INVESTOR

Self-managed funds no walk in wonderland

John Addis Advisory websites sell self-managed super funds as tax benefit nirvana, offering the chance to ''boost your returns''.

$26.5b a year into self-managed funds

Bill Shorten

Clancy Yeates The rapidly expanding sector puts pressure on the rest of the retirement savings industry.

GETTING STARTED

You can have your cake, and eat it too

The time is ripe to take a slice of the SMSF action.

Sally Patten At least 10 super funds offer trading platforms that give investors similar freedoms to those who operate a self-managed fund.

INSURANCE

Play it safe - get cover via your super

Need cover? Just ring.

John Collett Mis-selling of insurance is bad, but most people have access to cheap insurance already. And it's not via the internet.

TIP OF THE WEEK

What are the effects of concession card changes?

 

Nerida Cole Changes begin next year. Existing cardholders who don't plan ahead will be the group most likely to lose out.

SUPER & FUNDS

ETFs have a downside but can widen your exposure

Spreading  investments to overseas will reduce risk if there was a sustained downturn in the Australian sharemarket.

John Collett Exchange traded funds are well worth considering for the easy, low-cost diversification they bring.

ASK NOEL

How will the new pension rules affect us?

Noel Whittaker Changes to account-based pensions from next January have caused some confusion.

ASK NOEL

Children may book a tax deduction

 

Noel Whittaker I'm 87 and selling off a collection of books and other papers. If I gifted them to a library would the tax benefits pass to my children?

SUPER & FUNDS

Playing Russian roulette with financial advice

John Collett Getting good financial advice is an ongoing challenge, with the banks muddying the waters according to John Collett.

SUPER & FUNDS

DIY fund trustees exposed to risky investments

Redefinition: The new interpretation means assets can be compiled differently.

John Collett Investors could lose the protection of financial advice laws after clarification of the definition of "retail" and "wholesale" investors by the regulator.

SUPER & FUNDS

Borrowing inside super could be banned

Borrowing dilemma: Where will super funding come from an what are the risks?

John Collett Real estate agents and developers see big opportunities in selling investment property to the growing ranks of those with their own funds.

SUPER & FUNDS

Devil will be in planner register's detail

John Collett The interests of consumers will be best served by having as much relevant information as possible included on the register.

SUPER & FUNDS

Financial advice seekers are out on their own

One step ahead: Wrongdoings in the financial services industry inevitably prompt bold calls for reform, yet the problem of bad planners never goes away.

John Collett The authorities have given consumers a false sense of security about the professionalism and protection they can expect when seeking financial advice.

Investing

Robin Hood fund robs rich of fees

No hold-up required: the LIC approach to Robin Hood funding is less confrontational than that of legend.

David Potts Making money while helping a charity is the aim of a unique fund to list on the sharemarket.

SUPER & FUNDS

Salary sacrifice limit out of reach for most

Retiring well: Planning to salary sacrifice early on can make your later years much more comfortable.

John Collett Taxpayer's money in the form of superannuation tax concessions is being wasted on high-income earners.

ASK NOEL

What's the best way to treat a rent payment?

Michael Mucci illo for Money

RentOrContribution.jpg

Noel Whittaker Should my artist husband pay rent for his studio to our self-managed fund ?

SMSF

Warnings sound on DIY-super property

cracked nest egg.

Duncan Hughes DIY superannuation funds turbo-charged with borrowing to buy property are failing after two years because of high costs and low returns.

SUPER & FUNDS

There's more than a million DIY fund members

HOW TO CONSTRUCT A DIY SUPER FUND PORTFOLIO. TOOLS, WORKSHOP.
tools, pliers, screwdriver, spanner, 

PORTFOLIO.101007.AFR 

PIC BY PETER BRAIG.

John Collett More and more Australians are taking control of their retirement savings.

SUPER

Beware of switch to MySuper

Keep an eye on where your super fund is headed.

John Collett Super fund members could find their pension pots smaller than they expected.