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Wednesday, 18 April 2012
Customer segmenting in Australian financial services organisations may not be as developed as we thought.
I visited my bank branch ... Read more
Latest Superannuation Management News
Friday, 18 May 2012
Thursday, 17 May 2012
Wednesday, 16 May 2012
Friday, 11 May 2012
Featured Paper
In this whitepaper, Payling and Kim explore the impact changes that are occurring in the industry superannuation sector. In considering the impact of these changes, growth opportunities for fund executives ... Read moreIn this whitepaper, Payling and Kim explore the impact changes that are occurring in the industry superannuation sector. In considering the impact of these changes, growth opportunities for fund executives are identified.
Investment
The Global Financial Crisis (GFC) has put global asset allocation back into focus. Some have blamed the downfall on asset allocation while others have blamed it on investment judgment. Some investors have ... Read moreThe Global Financial Crisis (GFC) has put global asset allocation back into focus. Some have blamed the downfall on asset allocation while others have blamed it on investment judgment. Some investors have altogether given up attempting to balance risk and return across asset classes and are now exploring purely risk-based approaches. The PineBridge Asset Allocation Team believes that more success will be found by re-examining how theory has been applied (or misapplied among strategic asset allocators who perhaps mistakenly assume a constant risk/return relationship and constant correlations).
The Australian Prudential Regulation Authority has recently issued guidance to superannuation trustees regarding the labelling of superannuation investment options. The guidance places a welcome emphasis ... Read moreThe Australian Prudential Regulation Authority has recently issued guidance to superannuation trustees regarding the labelling of superannuation investment options. The guidance places a welcome emphasis on the need for funds to substantiate claims made when describing the risk in their investment options.
Administration and management
In this REST Super commissioned paper, Louise Southall compares the “wealthStyle” of Generation X and Generation Y, in order to better understand their spending, saving and debt choices. Read moreIn this REST Super commissioned paper, Louise Southall compares the “wealthStyle” of Generation X and Generation Y, in order to better understand their spending, saving and debt choices.
Self-managed superannuation funds
The Australian Taxation Office (ATO) Draft Tax Ruling TR2011/D3 has created some debate within the industry regarding when a pension ceases upon the death of a member. The impact of this draft ruling has ... Read moreThe Australian Taxation Office (ATO) Draft Tax Ruling TR2011/D3 has created some debate within the industry regarding when a pension ceases upon the death of a member. The impact of this draft ruling has meant for many trustees and their advisers to consider the use of anti-detriment within a SMSF to significant reduce and/or eliminate the impact of capital gains tax that would occur as a result of the fund changing back to accumulation phase.
There has been some considerable debate between the use of managed accounts over managed funds in the last few years, much of which has centered on whether managed accounts are a better structure than ... Read moreThere has been some considerable debate between the use of managed accounts over managed funds in the last few years, much of which has centered on whether managed accounts are a better structure than managed funds. This debate appears to largely conclude that as an investment vehicle holding underlying assets that are reasonably liquid and tradable, managed accounts are the clear winner as they can provide transparency of investments, portability, liquidity and also often the ability to tailor outcomes to an investor’s specific rules, preferences or constraints.
Insurance
In this time of fiscal responsibility, businesses need to weigh the costs and benefits of any expenditure. At the same time, employers want to retain good employees and accordingly, many employers ... Read moreIn this time of fiscal responsibility, businesses need to weigh the costs and benefits of any expenditure. At the same time, employers want to retain good employees and accordingly, many employers are looking to provide life insurance benefits as incentives. When weighing up the cost and benefits, which option is better – should the insurance benefits be inside or outside of superannuation?
The Australian compulsory superannuation regime has now been in operation for approximately 20 years and, to date, largely focused on accumulation strategies with little thought given to the decumulation ... Read moreThe Australian compulsory superannuation regime has now been in operation for approximately 20 years and, to date, largely focused on accumulation strategies with little thought given to the decumulation of assets during retirement.
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