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Smart Investor


How to check if your apartment developer is telling fibs

NSW Building Commissioner David Chandler’s ratings are so valuable that some companies are falsely saying they’ve got them when they haven’t even been tested.

  • Jimmy Thomson


The portfolio in VanEck’s Australian Equal Weight ETF is rebalanced every quarter, which facilitates “contrarian trading”.

When ETF ‘equal weight’ strategy goes off balance

The past five years have shown the simplest strategy of all – investing equal amounts in companies in an index – might not suit all markets.

  • Jeremy Chunn

This Month

Based on the last 10 years, it is clear that bond yields of 5 per cent are confronting, but they are still too low compared to inflation.

Interest rate rises test markets, but remember it is a long game

Over the next 12 months at least, fixed income returns will likely match and possibly exceed those of equities.

  • John Abernethy
When you add in a dysfunctional US congress and an approaching election plus continuing problems in China, it’s clear why the bears are again on the prowl.

The big spending that could keep the US out of recession

The doomsayers were wrong with dire predictions late last year – and they could be off the mark this time, too.

  • James Weir
The government has emphasised that super is not an estate planning asset.

How to stop your super fund running out of money when you retire

‘De-risking’ your investment strategy is critical as you get older to retain your cash flow requirements and preserve the capital in your SMSF.

  • Ben Smythe
In the second half of life, some things that may not have seemed important or attainable before move within reach.

Reached midlife? Time to write the retirement rules

In the second half of life, some things that may have seemed unattainable move within reach, so be curious about what might give your life a greater sense of meaning.

  • Bec Wilson
Forty per cent of retirees will struggle with the transition from full-time work to what comes next,

‘Nothing but a retiree’: why Boomers are turning to lifestyle coaches

Dramatic increases in life expectancy mean more years in retirement, but some people find themselves struggling to find worth and meaning.

  • Duncan Hughes

Michele Bullock’s anxiety is growing – with good reason

For the RBA governor, economic surprises, which might otherwise be welcome, could be the worst of all worlds for Australia right now.

  • Christopher Joye
The 350 largest family offices in Australia are estimated to manage between $515 billion and $695 billion of wealth outside their operating businesses.

You’re rich, but are you family office rich?

Financial advisers are anticipating the transfer of an estimated $3.5 trillion between generations by 2030 to spur more interest in family offices.

  • Primrose Riordan
Your super questions answered.

What retirees can do now that term deposits are generating tax bills

Retirees who find themselves paying more tax on bank deposits because of rising interest rates can move the money into superannuation.

  • John Wasiliev
Cash ETFs  invest in interest-bearing instruments such as bank and term deposits or short-term money market instruments.

Investors think these ETFs are a ‘no brainer’ right now

Cash, technology and uranium exchange-traded funds (ETFs) were among the most popular and best performing of the past year, while renewable energy ETFs bombed.

  • Joanna Mather
Gold explorers that are not yet producing or cash flow positive may not be attractive to investors.

Six tips for buying shares in gold companies

Here’s what investors need to think about when considering buying shares in a gold miner.

  • Elio D'Amato
r the technology sector, a trend that is captured by technology themed ETFs.

Obesity drug sell-offs based on ‘guess work’

The quandary of equity valuation is demonstrated by the sell-off of CSL and ResMed on a yet-to-be-proven assertion about obesity drugs.

  • Giselle Roux
Thirteen per cent of borrowers cannot afford to make their debt repayments after living costs, up from a mere 3 per cent last year.

One in five borrowers is ‘screwed’

The Reserve Bank of Australia likes to spin that “most” borrowers are fine, but between 15 and 20 per cent are in trouble.

  • Christopher Joye
The tax does not apply to all earnings on a member’s balance above $3 million; this seems to be a common misconception.

Super to maintain mantle as ‘preferred’ investment vehicle: KPMG

Plans to impose extra tax on super balances over $3 million may not prompt the wholesale revamp of investments that some have suggested, writes Julie Dolan.

  • Julie Dolan
Bitcoin is often labelled “digital gold” but professionals say the two asset classes serve different purposes.

The bitcoin v gold tussle is just gearing up

Bitcoin has thumped gold’s returns over the past 14 years, but the jury is still out on which is a better inflation hedge.

  • Tom Richardson
“It will cause people to revisit the way they use family trusts and company structures for funding investments and business operations,” tax partner Michael Parker says.

‘Game changer’ tax ruling may lead to refunds for family trusts

The AAT ruling potentially questions the past 14 years of tax treatment of about 971,000 family trusts, most of which have corporate beneficiaries.

  • Duncan Hughes
Your super questions answered.

Contributing to super can be wiser than drawing a tax-free pension

Should everybody start drawing a pension from their superannuation as soon as they hit 65 to get the tax benefits? Not necessarily.

  • John Wasiliev
Apartment owners would elect a committee at the initial AGM which would then scrutinise the contracts on the table and take advice on them.

Pet owners are winners in strata law overhaul

When NSW apartment blocks were dragged whining and yelping into the pet ownership age, some smarty-pants strata schemes came up with ways to deter fur-babies.

  • Jimmy Thomson
History shows you can’t keep a good market down for ever.

‘Don’t catch a falling knife’ and 10 other investing mistakes

Dividend traps, selling winners and buying declining stocks are just a few of the other errors to avoid.

  • Tom Richardson