... institution) plans to make money NOT charging for their services. Just consider: Integrating a customer's entire financial life, from their credit/debit cards to mortgages and (now) investments gives a financial institution the chance to collect an entire ... Read more

... of lifestyle. We're still waiting for a return to "normality." After 10 years, this is the new normal. The old simple life when even defensive assets paid you a premium to inflation doesn't appear to be returning soon, so we must adjust. Reasonable ... Read more

Ever since the introduction of Australian Life Tables by the Australian Government Actuary in the 1880s, the longevity of Australians has been consistently improving. Fast forward a century to the 1980s and the introduction of compulsory superannuation ... Read more

... women's full and effective participation and equal opportunities for leadership, at all levels of decision-making in economic life. We invest in less than a handful of companies which have female chief executives and CFOs, but continue to try to ... Read more

Everyone repeat after me: the Productivity Commission report is just a draft, it is not government policy and it will be a long while before the Federal Government responds let alone announces any legislation changes. Unnecessary to say this? Why then ... Read more

... New Year resolutions start to come under pressure. The summer holidays are behind us, schools are back and the rhythm of life is returning to a familiar routine. The bigger, bolder ambitions for the New Year are often the first to fall by the wayside ... Read more

... their service by providing more information up-front in the engagement process. The idea is to bring your service offer to life before requiring customers to pay. This may be achieved by providing digital content in the form of client testimonials, simulators ... Read more

... out of university as an assistant in MLC's legal department, where he had the opportunity to work in the defined benefit plan team. Barely aware of what he was getting himself into, he attributes this early experience to the moment which started him ... Read more

... very specific on their criteria for success and will be naming and shaming funds that don't measure up or have a long-term plan for sustainably improving member outcomes: Why is APRA becoming so interventionist? In my view, it's a product of many superannuation ... Read more

... requirement that a person had to actually reduce their working hours. Whether this was deliberate or accidental remains one of life's mysteries, however, in more than 10 years of TTR, the requirement to actually have reduced working hours remains absent ... Read more