Investing 101

APRA is looking at the big picture – the stability of the banking system. So, while its proposal to phase out hybrids might make sense from that perspective, it’s going to deprive many of an investment option that has delivered healthy income streams.

In the past few months, shareholders have been receiving more attention from fraudsters who have been impersonating individuals via identity theft to steal their shares. Tragically, self-funded retirees are often vulnerable with many still reliant on snail mail.

One of the most bitterly divisive US presidential elections in history has investors on edge. While it will ensure market volatility, long term it’s the economy that will dictate how markets perform.

For the past year, the banks have delivered to shareholders with income and capital gain. In the run-up to their next results, it might be time to consider taking some scrip off the table and pocketing a tidy profit.

If it becomes law, the Scam Code Act will require social media companies, mobile networks and banks to be far more vigilant in preventing fraudulent behaviour. Failure to do could see them liable for fines of up to $50 million.

A landmark report by the Australian Human Rights Commission has uncovered a frightening lack of understanding about a financial enduring power of attorney. Now it wants federal, state and territory governments to usher in complementary legislation – urgently.

With EY predicting a pick-up in the private credit market, the need to understand the risks inherent in this investment strategy that’s nearing $200 billion in assets under management has never been more important.

The Law Society of NSW breaks new ground by recognising that an ageing population has distinct legal issues that require solicitors to have a different skill set.

Parents are increasingly digging deep to get their children and grandchildren into the property market. So, it’s imperative that any financial support is documented, and all parties fully understand what’s involved.

Dealing with your spouse’s death is a daunting experience. What can ease the burden is being well prepared for all the legal, financial and administrative issues that accompany this tragic event.

By stress testing portfolios in rising markets, Atchison Consultants principal Kev Toohey argued, investors can better understand how they would perform in a market downturn. For retirees, in particular, this could provide a valuable lesson.

Cashed-up retirees in the market for yield are finding that it’s increasingly being delivered by assets that aren’t on the stock market but still have a palatable risk profile.