[Smart Investing] SMSF gearing: Be aware of the risks – and opportunities; A couple of super classics; How is your SMSF diversified?

26 November 2012 - [ click here to view this email online ]
SMSF gearing: Be aware of the risks – and opportunities Just because an investor can legally do something doesn't mean, of course, that it is a good idea. Much should depend on the actual strategy and investment being considered as well as the investor's personal circumstances. [more »] A couple of super classics Two of the most fundamental provisions in superannuation law are the ban on self-managed super funds providing financial assistance to members and the rule that super funds must be maintained for the sole purpose of providing retirement and death benefits. [more »] How is your SMSF diversified? One of the fundamental legal obligations of self-managed super fund trustees is to ensure that their funds have an investment strategy. [more »] The long arm of tax One of key developments in Australia's tax collection regime in recent years is the increasing sophistication of the tax office's data-mining and data-matching processes. [more »] A rarely exercised discretion The tax commissioner has a legal discretion in "special circumstances" to disregard excess super contributions or reallocate the amounts to another financial year. However, the commissioner rarely exercises that discretion. [more »] A history lesson in super Although superannuation has existed in Australia for more than 160 years, the modern super system really began only in the past 26 years with the introduction of award-based superannuation. [more »] Vanguard in the news These links show a copy of the article (where freely available), or the publisher's website if a subscription is required. Time to exchange strategies Bina Brown, 16 November 2012 Investors are putting more money into exchange traded funds (ETFs) than ever before. Big growth in this area coincides with a massive shift from actively managed funds to lower cost passive funds as investors focus on minimising costs in an environment of low returns. AFR website »	QUICK LINKS   Tim Blue: Asset Allocation Video | 26 October 2012   CONTACT US Email clientservices@vanguard.com.au Our office: Level 34, Freshwater Place 2 Southbank Boulevard Southbank VIC 3006 (map) Telephone: 1300 655 101, 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF enquiries For more information on Vanguard ETFs please call 1300 655 888 Unsubscribe  |  Vanguard on Twitter
We will keep your details so that in future we can also send you marketing material on products and services offered by us. (By providing your details you agree we can do so.) You can let us know at any time if you no longer wish to receive information from us. We may provide your details to our service providers - for example, the mailhouses which dispatch our publications - or to market research companies which conduct research for us. You can access or update your contact details at any time by contacting Vanguard on 1300 655 101. To view our full privacy policy, which outlines what we will do with any information we collect from you, click here or contact us to request a copy. Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS online or by calling 1300 655 101. Past performance is not an indication of future performance. Our electronic publications are prepared in good faith and we accept no liability for any errors or omissions. Not all articles are prepared by Vanguard so they may not represent our views and opinions. Vanguard Investments Australia Limited is in no way responsible for the content or loss resulting from use of any website owned by a third party that may be linked to this email via hyperlink. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.

[Smart Investing] Taking the gamble out of investing; Your personal trainer; Over the limit

07 November 2012 - [ click here to view this email online ]
Taking the gamble out of investing Some words just do not mix well – they jar like a discordant chord to hear them mentioned in the same sentence. In the week when the iconic Melbourne Cup fires the national imagination and tempts millions to place a bet, discussing the difference between gambling and investing may be seen as the ultimate wet blanket. [more »] Your personal trainer One of the key psychological and financial barriers facing super has just been overcome. [more »] Over the limit The tax office has provided a stark reminder of the possible high cost of making superannuation contributions that exceed the annual caps. [more »] Vanguard in the news These links show a copy of the article (where freely available), or the publisher's website if a subscription is required. When risk-free is a risk to your wealth Scott Phillips, 02 November 2012 "Investing is risky." It's the cry of those who prefer to keep their cash under the proverbial (or real) mattress. The chance of loss keeps many would-be share investors on the sidelines. And I think that's the riskiest decision of all. The Age website »	QUICK LINKS   Tim Blue: Asset Allocation Video | 26 October 2012   CONTACT US Email clientservices@vanguard.com.au Our office: Level 34, Freshwater Place 2 Southbank Boulevard Southbank VIC 3006 (map) Telephone: 1300 655 101, 8:00am - 6:00pm Monday to Friday, Melb time.   Vanguard ETF enquiries For more information on Vanguard ETFs please call 1300 655 888 Unsubscribe  |  Vanguard on Twitter
We will keep your details so that in future we can also send you marketing material on products and services offered by us. (By providing your details you agree we can do so.) You can let us know at any time if you no longer wish to receive information from us. We may provide your details to our service providers - for example, the mailhouses which dispatch our publications - or to market research companies which conduct research for us. You can access or update your contact details at any time by contacting Vanguard on 1300 655 101. To view our full privacy policy, which outlines what we will do with any information we collect from you, click here or contact us to request a copy. Vanguard Investments Australia Ltd ABN 72 072 881 086 / AFS Licence 227263 is the product issuer. We have not taken your circumstances into account when preparing the information in our electronic publications so they may not be applicable to your circumstances. You should therefore consider your circumstances and our Product Disclosure Statement (PDS) before making any investment decision. You can access our PDS online or by calling 1300 655 101. Past performance is not an indication of future performance. Our electronic publications are prepared in good faith and we accept no liability for any errors or omissions. Not all articles are prepared by Vanguard so they may not represent our views and opinions. Vanguard Investments Australia Limited is in no way responsible for the content or loss resulting from use of any website owned by a third party that may be linked to this email via hyperlink. © Copyright 2012 Vanguard Investments Australia Ltd. All rights reserved.