Blog

March 1, 2017

A little trust can pay a big dividend in super

The Australian superannuation system has many fine qualities, but if you were asked to rate it on the basis of trust – on a score of 1 to 10 – what would you give it? Trust is a simple but elusive concept to measure. Are we talking about trust in: The government regulatory and policy settings? The institutions that manage the more than $2 trillion in assets? The financial advisers who support the fund members? Is trust even important? The super guarantee system is mandatory for Australian workers, who cannot opt out of the 9.5 per cent contribution to super […]
March 31, 2016

Early advice made all the difference – a story

Margaret was 21 when she married Graham. She was working as a sales assistant in a large department store when they decided to start a family. As her pregnancy advanced Margaret gave up work and Graham, a warehouse fork-lift driver, took a second job to make up the shortfall in their income. He was a hard worker and fast learner which prompted his boss to promote Graham to Warehouse Manager a few months later. In the years after their first son was born, two more babies arrived – another boy and a girl. Once the children were settled at school, […]
June 24, 2015

Saving Meets Investing

The baby boomer generation are often enviously described as the ‘lucky generation’. Certainly that demographic cohort born after the end of World War II and before 1960 enjoyed a very different economic and social backdrop to their parents and grandparents and that went a long way to changing attitudes to housing, money and retirement. When it comes to wealth factors the sustained growth in residential property prices in Australia have benefited baby boomers in a significant and material way. The intergenerational impact of that is increasingly a subject of national debate about whether property prices – at least in Sydney […]