A Few Retirement Income Articles
I haven’t written too much on retirement income recently, well just a little bit. Anyway, before I write a whole lot more (my day job is currently focused on this area) I thought I’d post a couple of...
View ArticleDoes our Super have too much in equities?
Over the last couple of weeks I’ve been asked to comment on the asset allocations of default super funds. There’s certainly been a very interesting debate through the print media which was probably...
View ArticleRetirement Income Portfolios – poorly understood
One of the debates in the financial services media has been around the investment strategy of superannuation funds and whether they are holding too many equities. In the camp of too many equities is...
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Being a millionaire may not be enough for a comfortable retirement
Source: Delta Research & Advisory Pty Ltd The above chart shows the probability of running out of funds in retirement for someone who retires with $1,000,000 in today’s dollar and draws $55,080...
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Life Expectancy Myths and Facts…and should we increase the pension age
This week I read a couple of articles on US Life Expectancy trends that got me curious about the situation in Australia…the articles were written by Paul Krugman and Aaron Carroll and basically implied...
View ArticleThe most powerful financial planning tool
The process of financial planning is like any planning process… you find out where the client is positioned today, work with the client to establish goals whilst understanding the constraints to...
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Australian Government Bond Yield Curve…plus a bit on lifetime annuities
Source: RBA, Delta Research & Advisory Not too many posts in recent times and its been a while since I looked at the yield curve and I have to admit that after scanning the various newspapers I was...
View ArticleWhat is the Risk Free asset?
This question is probably only important when establishing a base-line return expectation before we accept various type of investment risk. I guess we all know that technically there is no such thing...
View ArticleMerton’s Retirement Income Views…correct but its not a product solution…its...
Nobel laureate economist Robert Merton says David Murray’s Financial System Inquiry must fundamentally shift how Australia thinks about superannuation. He says the desire to maximise lump-sum balances...
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