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We wish all our clients a Merry Christmas,a Happy New Year and a restive holiday
A great overview of investing and good Holiday reading.
The final nail in the coffin for LRBAs?
Market Update – November 2014
Online financial tools your family and friends can use.
Overcoming our behavioural barriers to saving
Good financial planning finally has a value: 23% more in retirement
‘Unintended consequences’ threaten SMSF tax reform
Retirement income: every bit counts
ASFA continues to sound warnings on retirement savings
Market Update - October 2014
The little-known rule with huge implications for self-managed super funds
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Change to ATO decision relevant to SMSF in-house assets
Taking a personal perspective on the global super challenge
Some terms defined - Super & Investment
Some terms defined - Super & Investment
The perils of market-timing and over-confidence
Market Update – 30th September 2014
Hardly a do-it-yourself job
Super insurance: wide coverage, limited understanding
ASIC eyes SMSF loan sign-off
Redesigning retirement incomes policy - from the ground up
Industry terms
Market Update - August 2014
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Few know exactly what their true financial position is, do you?
The art of balancing bad news
How economic reality influences the market.
Market and Economic Updates  -  November / December 2011
Want to do some of your own research – no problems?
Lump sum love affair
How much money do you need to comfortably retire?
You can afford to contribute more to super but .....
10 most indebted nations
Market and Economic Updates - October / November 2011
Timeless lessons meet new challenges
Securely transferring Your information to your Planner.
Gender Gap
The 5 types of earnings per share
No more Star Trek conventions for Spock
An introduction to behavioural finance.
Market Updates - September / October 2011
Gender Gap
A fundamental weakness in Australia's superannuation system is the glaring gap between the super savings of men and women.

The recently released ABS Survey of Income and Housing shows that the average super balance for men was $71,645 in 2009-10 against $40,475 for women. And the average balance at retirement was $198,000 for men against $112,600 for women.

However, the gender gap is somewhat narrower than a few years ago. ABS figures indicate that the average balance for men in 2003-04 was $56,400 compared with $23,900 for women.

The reasons for the difference in retirement savings are only too clear.

Women have lower average salaries than men, often interrupt their careers to raise children, and their finances can be particularly hard hit by marriage breakdown. And on average, women retire at a younger age than men - yet have longer life expectancies.

Indeed, a powerful argument can be mounted for why women need more super savings than men - not much less.

It is crucial to keep reinforcing the message that women should take every opportunity to maximise their retirement savings. For instance, ASIC's personal finance site MoneySmart is currently urging women to become more informed about superannuation.

MoneySmart focuses on such basics as making salary-sacrificed contributions, making after-tax or non-concessional contributions (with eligible low-income earners receiving Government co-contributions) and simply tracking down lost super.

Some financial planners suggest that women intending to take a break from the workforce try to increase their salary-sacrificed contributions in order to build up extra savings before leaving their jobs. And some working spouses make spouse contributions into their wives' super accounts to help boost the balances during any time out of the workforce.

By Robin Bowerman
Smart Investing
Principal & Head of Retail, Vanguard Investments Australia
10th October 2011