Superannuation

23

Relying on stock market averages

In my research putting together my articles on Asset Allocation in Super, I’ve collated the data that supports the thesis that investing in Australian shares is not as lucrative as the financial industry would have you believe. The standard industry myth is that the stock market provides 9% returns on average. I’ll quote broker Marcus

75

The problem with asset allocation

What is asset allocation and why discuss it? Surely super is all about putting money away for retirement: how hard can that be? In this post, I will outline the conventional thinking regarding asset allocation and why it’s mostly wrong. The empirical evidence regarding this contention is overwhelming and stark. The major academic theories that

59

A super question (updated)

Reader, Bamboozled, recently left a comment on my “Trouble with Funds Management” post, asking what direction to go with her super: I’m a 30 something trying to consolidate a sizeable sum spread across 4 funds into something that resembles a reasonable super bet. At the most basic level I have 2 lots of dosh in corporate

51

Transitional Planning for Boomers

Readers of MacroBusiness have turned my attention to a recent “AskNoel” question on Domain from 2 (early) baby boomer investors. Q. I’m 48 and my husband is 55. As a result of renovations blowing out to $300,000, our mortgage is $690,000.  Our home is worth $1.1 million. We have two positively geared investment properties, owing