September 8, 2016

Your marathon investment portfolio

A recent cover feature in The Economist magazine asks readers to imagine a future world where you celebrated your 94th birthday by running a marathon with your school friends. The article was using the illustration of extremely fit old-timers – well past their present life expectancies – as a means to emphasise just how much longevity has increased over the past century and is continuing to rise. It may be a hard for us to imagine in 2016 that the point will ever be reached where 94 year-olds are running marathons with their school mates. Nevertheless, considerable advances in medical […]
September 1, 2016

Tax-smart investing

One of the most practical ways that investors can help keep their returns as high as possible in a low-interest environment without taking additional risks is to ensure that their investment taxes are managed as efficiently as possible. Indeed, ensuring the efficient management of investment taxes is largely under an investor’s control – unlike numerous other aspects about investing. As a matter of everyday practice, investors should concentrate on what they can control rather than on what they can’t control. And efficiently dealing with tax falls firmly into the under-my-control basket. While tax shouldn’t dominate investment decisions, as financial planners […]
August 25, 2016

Will there always be an age pension?

With all of the talk about the need to be self-sufficient in retirement it’s not surprising that many people assume that the government-funded age pension will be phased out altogether sometime in the future. But will it? Both sides of politics have committed to retaining the age pension “for those in need”. The age pension is means tested using both an income and an assets test – the test that pays the lowest pension is the one that is used. Conclusion – The age pension will remain, but not for everyone There are two other aspects to the government’s retirement […]