Tag Archive for Superannuation

Guaranteed Superannuation Pensions?

Large protests in France, over pension issues.
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There are few areas of government expenditure in the world that are more contentious than those associated with the payment of pensions. This includes “age pensions” in countries that have such things, as well as “employer pensions” from time spent with an employer. There is a huge range of types of super funds available, with…

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How Do I Measure Risk?

What risks are you prepared to take
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So, what risks ARE you prepared to take? Some people think it is fun to bungey-jump off a cliff or a bridge or a crane when they are travelling overseas, while others are not prepared to do this – whether it be from fear of heights, concern over the health effect on their eyes or…

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Higher super contributions aren’t as helpful as they seem

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It’s interesting to read notes and articles and research that shows Australia’s pensioners “sitting on a time bomb” or that there is a shortfall in retirement savings of hundreds of billions of dollars. For what it is worth, the bulk of these appear to be a beat-up. For the morosely disinterested or even the remotely…

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How do you simplify Superannuation documents?

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Todays’ Australian Financial Review includes an article “Disclosure statements found wanting” (page 56 Financial Services, AFR Friday 29th October 2010). Now there is a non sequitur if ever i’ve seen one! That statement assumes that there would be a time when superannuation statements would NOT be found wanting – and i really can’t see that…

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Personal Financial Advice and “Infobesity”

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Just what constitutes “personal financial advice”? We here in Wealth & Security Planners have noticed a marked increase in the number of people who are looking at various forms of money market news as “advice”. It is a development that has both good and bad aspects to it. This post is a quick look at…

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It was the best of times, it was the worst of times…

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Charles Dickens penned these words as the start of his ‘Tale of Two Cities‘ – a stark portrayal of social, political and economic contrasts so vivid that it remains, even today,  one of the biggest selling English novels. Why the literary reference? Apart from enjoying the novel immensely, the key phrase most clearly elucidates my…

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10 Year Super Fund returns – Part II

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A few people have read my earlier post on this subject of 10 year super fund returns and wondered just what point i was making… (thanks for the feedback Neil and others!). The post was primarily aimed at showing the average 10 year return of the average super fund (which was not much over 4%pa) and…

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