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Posts tagged Financial Advisor Adelaide
February 2025 Market Insights: Key Trends and Investment Outlook

The global economic landscape continues to evolve, shaped by shifting interest rates, market fluctuations, and geopolitical events. The Mercer Chart Pack for February 2025 provides a comprehensive analysis of key market trends, economic indicators, and investment opportunities.

In this post, we break down the most important takeaways from the latest data to help investors make informed decisions.

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The most overlooked investment property deductions

An investment property tax expert runs through what every investment property owner should know. One in five of us own an investment property, with 56.7% of Aussie wealth held in housing (at June 2023). It is an incredibly attractive investment option for many investors due to the capital growth that investors have historically seen in property. This is boosted by favourable tax treatment through policies such as negative gearing and the capital gains discount.

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February 2025 Market Review: Key Trends and Insights

The global financial landscape in February 2025 was marked by shifting monetary policies, trade tensions, and mixed market performances. The Reserve Bank of Australia (RBA) cut interest rates, the U.S. imposed new trade tariffs, and the equity and bond markets experienced fluctuations. Here’s a breakdown of the key developments and their implications for investors

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Unconventional wisdom: The myth of better risk adjusted returns in industry super funds

Does the sales pitch for private assets hold up to scrutiny?

Conventional wisdom is a byproduct of groupthink that presents solutions good enough

for the average person while simultaneously not being right for any individual. You

follow it at your peril. The more different you are from the person that defined a rule the

less you should follow the rule. Each Monday I will challenge the investing norms that

just may be holding you back from living the life you want.

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How private assets are transforming capital markets and super

Super funds and private assets in the spotlight after ASIC release. On Feb. 26, 2025, the Australian Securities and Investments Commission, or ASIC, released a paper titled “Australia’s evolving capital markets: A discussion paper on the dynamics between public and private markets.” The paper discusses the changing Australian capital markets landscape, focusing on both the rapid growth in the capital allocated to private assets and the influence of Australian superannuation funds on private markets.

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18 rules for ageing well

The rules to age successfully include, 'the unexamined life lasts longer', 'change no more than one-eighth of your life at a time', 'nobody is thinking about you', and 'pursue virtue but don’t sweat it'. I recently happened upon a practical and often humorous book about how to age successfully. It’s called Rules For Ageing by Roger Rosenblatt, a literary overachiever who’s had success as a Harvard lecturer, newspaper editor and columnist, and is the author of 21 books and six plays. I first came across Rosenblatt on the PBS Newshour show years ago, where he regularly presented essays on an array of topics.

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3 steps to increase financial security

Morningstar's International Women's Day event brought together a property expert and a financial wellness expert to discuss the best ways to increase financial security. For International Women’s Day, Morningstar brought together leading experts Kitty Parker, an award-winning buyers' agent, and Betsy Westcott, a financial wellness coach. Kitty and Betsy shared their expertise on some of the main financial challenges facing Aussies. They covered homeownership, investing and financial security.

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How much exposure should you have to unlisted funds?

Unlisted assets make up a growing and significant portion of many industry superfunds. AustralianSuper had 26.6% of their funds in unlisted assets at March 2022. Australian Retirement Trust’s Super Lifecycle investment strategy (Balanced) is 32.93% at June 2023. Nearly 50% of Hostplus’ Balanced MySuper option is in unlisted assets.


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What you should know: Don’t take too long to pay a benefit – it may change from a member benefit to a death benefit!

A very interesting (and surprising) Private Binding Ruling has been recently released by the ATO (reference details at the foot of the article).  In short, because a trustee (of a self-managed superannuation fund) took over 28 weeks to pay a commutation lump sum, the benefit was considered to be a death benefit and not a member benefit.

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How will downsizing affect Age Pension?

Often individuals and couples, once they are retired and receiving the age pension, will want to downsize their home to more suitable accommodation.  If the individual or couple own their own home, the home is excluded from the age pension assets test, irrespective of the value of the home.  But what happens to their age pension if they sell their current home to buy another home?

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