The Age Pensions taper rate is a big issue for retirees who find themselves caught in a trap where too much super means less pension payments.
super investing strategies
Diversification is one of the key principles behind good investing and there’s a lot you can learn from how successful super funds invest their members’ money.
Indexing is an increasingly popular investment strategy and many super funds offer it as an investment option, but how does it work and what are the benefits?
Staying the course and seeking advice were winning strategies during last year’s market meltdown.
Big super funds have been talking up their role in nation-building, using mostly unlisted investments in infrastructure and property. So what are unlisted assets and how to they affect my super?
APRA statistics released this week show retail funds have lost nearly $23 billion in value since December 2017, while over the same period industry funds grew by nearly $40 billion. This represents a change in value of assets of -6% for retail funds and +4% for industry funds.
Just because we may be compelled to have superannuation, is no reason to leave it to its fate. In fact, playing a role in how your super is invested is one of the key ways we can influence its outcome. Here we break down the key concepts to help you gain confidence with the investing side of super.
When sharemarkets fall and people start panicking, it’s easy to think the best solution is to sell your investments or swap out of your super fund investment option. But it’s a decision that could cost you dearly.
If you’re a member of a big super fund, chances are you are a part-owner in an airport, a pipeline or a major shipping port. So why have super funds embraced infrastructure and what’s in it for you as a super fund member?
The investment assets of many super funds are far from transparent – both publicly and for fund members. It’s a situation the government has tried to remedy over a number of years, but from 31 December 2020 all that’s changing.
Buy/sell spread fees are something we’re all likely to see a lot more of thanks to ASIC’s new disclosure rules for annual fund member statements. So just what are these mysterious charges and how do they work?
When it comes to delivering a good investment return to their fund members, super funds mix a variety of investment assets and structures together. To understand what your super fund is doing on your behalf, it’s worth learning a little more about these investments – particularly whether they are listed or unlisted.
What’s your risk profile and why is it key to one of the most important decisions you can make when it comes to boosting your super account?
Understanding your super balance and comparing the performance of your super fund with other funds involves more than just checking fees, super contributions and insurance premiums. It’s also knowing how – and when – your super fund calculates and applies investment earnings to the balance of your super account.
Super funds, insurance companies and banks are all concerned about the cost of climate change to their products and operating costs. Here’s why it’s going to affect you…