| Hi Aris, Welcome to this week's edition of Smart Investing. The latest indexed rise in the government Age Pension gives around 2.6 million Australians some extra fortnightly cash. Yet, without other sources of income, it's evident many people may struggle to cover some general living costs. Vanguard's Senior Personal Finance Writer Tony Kaye looks at new data from the Association of Superannuation Funds of Australia (ASFA) showing how much singles and couples can expect to pay per week to have either a modest or comfortable retirement lifestyle. The data underscores the benefits of good retirement planning and financial advice. Our second article this week examines the problems that could arise in terms of intergenerational wealth transfers for people who die without a legally valid will. After amassing personal wealth during their lives, including properties, superannuation and other financial assets, many Australians overlook getting a will and the important role financial advisers can play in the estate planning process. In our third article, we look at the challenges and opportunities for parents and advisers in setting the foundations for the eventual smooth transfer of wealth to the next generation. For advisers, that process involves building trust and demonstrating the value and utility of their advice.
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| Life in retirement keeps getting more expensive The latest rise in the Age Pension rate still falls short of what many people may need to have a modest lifestyle in retirement. Read article | |
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| The potential estate complexities of dying without a will Having a legally valid will can go a long way to avoiding disputes over the division of your assets. Read article | |
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| Connecting an adviser with your children How parents and advisers can work together to manage intergenerational wealth transfers. Read article | |
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| The compounding benefits from reinvesting dividends Using income distributions to purchase additional ETF units can significantly compound capital growth and income returns over time. Read article | |
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| ATO warns SMSFs over early access schemes The regulator has become concerned over unscrupulous promoters. Read article | |
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| The problem with portfolio drift, and how to fix it Recent share market gains have given many balanced portfolios a higher equities tilt. Read article | |
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