SMSF Investment StrategiesSharing Simple Strategies for Self Managed Super Funds
-->
Growth vs Income Investments
A number of events in recent days have made me reflect on our conventional thinking of growth vs income assets. Growth assets such as stocks and properties have always been associated with savvy investors who dare to take risks and are usually rewarded with bigger returns. Income assets are usually associated with risk averse investors [...]
Investing in a Sideways Market
With one more month to go to the end of 2010, it is pretty safe to conclude from looking at the 12 month chart of the ASX 200 below that this year the market pretty much went sideways staying in a range from 4200 to 5000. The index is currently near 4600, pretty much exactly [...]
More bad news for super – not your money for another 7 years (or more)
If you are planning to retire at 60 and are counting on your super to provide you a nice tax free income after that, I am afraid you may have to rethink your retirement strategy soon. According to this article “Gillard warned of threat to surplus”, the government needs to find $2.4 billion in savings [...]
Rethinking your retirement strategy – why super may not be the most tax effective solution for you
If you are single or a couple where both parties are in the marginal tax bracket of 30 per cent and above, then salary sacrificing as much as you can into super is a no brainer as you immediately realise tax savings of at least 15 per cent or more on your contributions. However, this [...]
Why we don’t hold bank stocks
Australian retail investors love financial stocks. Almost everyone we know who own stocks have shares in one or more of the big four banks. The most common question we get asked is “Should I buy XYZ bank shares?” especially after a stock market correction because prices appear cheap. Our answer is always the same, which [...]
Get your fair share of commission rebates
I am sure no consumer likes to pay commissions for the financial products we buy. Unfortunately, the financial product providers have no choice but to pay commissions to provide incentives for financial advisers to recommend their product. Last weekend, we had drinks with one of Kingsley’s good friends who works for a fund management company [...]
My outlook for 2010
I wish I can be a little bit more enthusiastic when I exchange “Happy New Year” wishes with family and friends. I just cannot do it because deep inside, I think there will be more pain to come in 2010 for investors. When I look at the events that have taken place in the past [...]
Meredith Whitney: Sell the banks
I noticed early this morning that some banks in the US finished in the red despite a very bullish day where the major market indices made new highs. When the Australian markets opened later in the morning, I noticed that the major Australian banks also registered big drops in price. At the time of writing, [...]
Flight to safety starting
In the last few days, the only “green” on my watchlist of Australian stocks were those of defensive stocks like utilities and consumer staples while the mining and banking stocks tumbled. Telstra, which was so unloved in the past months is finally making a strong comeback. For those public super funds who have to maintain [...]
Double dip recession soon?
I remember a few key people who warned about an impending recession back in 2007 when the stock market was still making new highs. One very vocal person was Nouriel Roubini, an economics professor from New York University, who was so bearish that he was nicknamed “Dr Doom”. Since his predictions have come true, his [...]
