Daryl Dixon

Employers now have less power over super.

Time to review salary sacrifice

For those wanting to lower tax bills and build up retirement assets, making tax deductible super contributions is now much easier.

Will we have enough to get through to the end?

Build super over time, as opportunities to play catch-up shrink

The major super changes legislated in 2016 are now in force, requiring many current and future retirees to review their strategies.

APRA tightened restrictions on interest-only loans and lenders have quickly reacted.

Interest-only loans keep appeal despite growing expense

APRA wants to reduce the growth of interest-only loans, which are highly popular with investors and even owner-occupiers in special situations.

Sting in the super changes for lower paid public servants

Many lower income public servants and defence employees are disadvantaged by their employer's superannuation arrangements.

High-income earners could wind up in breach of the $25,000 annual contributions gap by accident, if they have a generous ...

The trap for high income earners with a cushy super package

The reduction in the annual concessional cap to $25,000 will create significant problems for many taxpayers and the Tax Office.

Active funds have higher fees, so they need to consistently outperform the market to earn their keep.

Index funds v actively managed funds

For a combination of reasons, index-following managed and exchange traded funds have become increasingly popular with both individual and institutional investors.

Investment returns will grow more slowly than during the post-GFC recovery.

Lower returns ahead for investors

COMMENT

So far, financial year superannuation fund returns have been good with the prospect of double digit returns if world share markets don't tank in June.

The downsizing provisions will help some retirees, but the impact on the age pension is an issue.

Daryl Dixon

Money