| Hi Aris, Welcome to this week's edition of Smart Investing. Age Pension indexed payment increases have just come into effect, and so have increases to the assets test limits.
In our lead article this week, Vanguard's Senior Personal Finance Writer, Tony Kaye, explains what the latest changes are and delves into the potential income trade-offs between being below the assets test limits, to qualify for the full Age Pension, versus being above the maximum limits and not qualifying for any Age Pension.
Meanwhile, in our second article, we look into new Tax Office data which shows there is almost $18 billion in unclaimed superannuation owing to millions of Australians. Most of that is sitting in dormant super accounts, while the ATO is also holding billions of dollars in retirement savings related to around 7 million "lost" accounts. We detail how you can check for lost super and claim it back.
Lastly, Vanguard's Senior Manager, Investment Strategy Group, Maziar Nikpour, examines Australia's $1.5 trillion cash stockpile and the reasons why many investors have large sums of cash. He discusses Vanguard research that shows why doing so can come at the cost of underperformance and failure to achieve long-term financial goals. | |
| Weighing up the Age Pension and the assets test Why having less super isn't necessarily a financial sweet spot for retirees. Read article | |
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| The lost super pile keeps growing There's almost $18 billion of unclaimed superannuation. Here's how to find it. Read article | |
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| How much cash is too much? While cash is often viewed as a safe haven, it does have investment risks. Read article | |
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| Our investment and economic outlook, September 2024 Our latest forecasts for investment returns and region-by-region economic outlook. Read article | |
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| A new day for Federal Reserve policy What the Federal Reserve's policy shift means for rates. Read article | |
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| Adding bonds to your investment mix Bonds can play an important role in investment portfolios, but what exactly are they, what are their benefits, and how do you invest in them? Read article | |
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