The impact of children on superannuation

On 25/01/2017

Defining the problem There is no doubt that, collectively, women are not well off in retirement both in absolute terms and relative to men. The reasons are well documented and can be summarised into the following types: Lifecycle events Bearing and raising children – resulting in career breaks. Caring for family members – elderly parents […]

Are Ethical Fund Managers always ethical?

On 19/01/2017

Ethical investing has come a long way since its religious origins by Quakers and Methodists in the 18th century. It now has many names including ESG (Environmental, Social and corporate Governance), sustainable or responsible investing. The approach to selecting assets has become more complex and the social concerns have grown broader, but the underlying theme […]

Evolution of disability insurance within superannuation

On 12/01/2017

THE ISSUES All MySuper products and many Choice products provide death and Total & Permanent Disability (TPD) cover. Some funds also offer income protection (IP) products which pay an income to partially replace wages on becoming disabled. The disability cover has received considerable media attention recently and this has led to significant analysis and review […]

Rice Warner’s Affordability Study: How affordable is group insurance in superannuation?

On 15/12/2016

There has been much discussion and debate in recent months about the affordability of insurance within superannuation and even whether it is relevant for insurance to be held within a MySuper superannuation fund. The main purpose of superannuation is to ensure that a member and their dependants are provided with income when the member is […]

Financial advice after the super tax changes

On 08/12/2016

After a long period of opposition, the super changes put up in the May Budget and amended in September have been legislated. It is now over to financial planners to help clients navigate the biggest changes in the super tax system in a decade. While some familiar structures and strategies have been up-ended, the system […]

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