Insights

Australian retirees are facing a ‘double whammy’ when it comes to funding their retirement.  On the one hand we, as a nation, are enjoying longer and healthier lives.  On the other hand, record low interest rates have slashed the returns on the traditional bedrocks of post-retirement investment portfolios such as term deposits, cash management accounts…

As the name suggests, an index investment fund seeks to deliver a similar return, less fees, as its chosen index.  In its simplest form an index fund purchases the same shares in the same proportions as its index.  For example, an S&P/ASX 200 index fund will hold shares in Australia’s 200 largest companies.  An MSCI…

There’s a common view that as you approach retirement you should tilt your investment portfolio towards more conservative investments. This means favouring things like term deposits, annuities and cash management trusts while reducing exposure to more volatile assets such as shares and property.  The thinking is that preservation of capital is key, as without an…

The government regularly reminds us that each Australian must take responsibility for funding their future. Regardless of when you will be able to access your super, or when you choose to stop working, you need to be aware of how your superannuation is being managed and if the final balance will be sufficient when you’re…