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Articles by Richard Dinham
What financial risks do retirees face?
David Goldschmidt, Chartered Accountant: "I find this a really excellent newsletter. The best I get. Keep up the good work!" Reader: "Carry on as you are - well done. The average investor/SMSF trustee needs all the help they can get." Reader: "I can quickly sort the items that I am interested in, then research them more fully. It is also a regular reminder that I need to do this." Reader: "Love it, just keep doing what you are doing.
Richard Dinham farewells Fidelity
Fidelity International's head of client solutions and retirement Richard Dinham has left the fund after almost six years. During that time, Dinham worked with Fidelity's investment teams to develop new solutions to meet the current and future needs of wholesale and institutional clients in Australia. At this time, Fidelity will not be recruiting for a replacement. It is also understood that Dinham - a hugely popular commentator on retirement - is keen to stay in the sector.
Cut tax breaks to make super fairer and the budget stronger
Australia’s $3.3 trillion superannuation system is supposed to boost people’s retirement incomes. The Government says as much in its proposed legislated objective for superannuation. The system is supported by billions of dollars of tax breaks each year, ostensibly to that end. But there’s just one problem. Increasingly, much of what is saved is never spent.
Dealing with retirement anxiety
The last three years of a pandemic have taught us to expect the unexpected. It is also an apt lesson for anyone planning for retirement. Fidelity International's latest retirement study - New life, old life - which surveyed over 1,200 Australians found that while the average age at which Australians would like to retire fully is 64.8 years, the average age we actually retire at is 63.4 years.
Covid has changed our retirement plans
Since 2018, State Street Global Advisors has compiled the Global Retirement Reality Report, which includes results for Australia. The global context for the 2022 report is familiar territory. The last two years has seen the return of three of humanity’s great scourges; war, disease and, yes, inflation. Much of what we observe in the Australian results reflect this environment.
Welcome to Firstlinks Edition 493
It's often the case that the greatest strength of someone is also their biggest weakness. Many of the world's most popular entertainers - Elvis Presley, Freddy Mercury, Michael Jackson, Jimi Hendrix, Janis Joplin, etc - died young as they struggled to cope with the fame and fortune that came from their prodigious talents. The personality attributes that thrived on the adoration of a global stage came with a predisposition to unhealthy behaviour.
Is private debt ready for recession?
Reader: "Carry on as you are - well done. The average investor/SMSF trustee needs all the help they can get." Reader: "Great resource. Cuffelinks is STILL the one and only weekly newsletter I regularly read." Reader: "Keep it up - the independence is refreshing and is demonstrated by the variety of well credentialed commentators." Reader: "Love it, just keep doing what you are doing.
A 30-minute article using OpenAI … and there goes my job
It usually takes me a few days to write a comprehensive lead article. I will give myself 30 minutes to complete this piece including establishing an account with OpenAI, asking six common investing questions and giving a short introduction. I originally intended to write a summary about how OpenAI works but then I thought, what the heck, it can do the job itself (and ChatGPT is similar).
The runway to retirement is shorter than expected
Now is a great time to be an older Australian in the workforce. With full employment, the demand for local, skilled workers is at a record high. It’s becoming more comfortable to work as well. Since COVID, flexible work arrangements have become commonplace and are widely accepted by most employers. In addition, most older Australians want to work longer than previous generations did, transitioning into retirement over time.
The most important industry globally which few understand
Many investors see Chinese property as an asset bubble that is popping; we see things differently (as discussed here). If anything, it’s a good example of an ‘anti-bubble’ and presents a compelling opportunity for investors like us.
5 investment opportunities for a more positive 2023
As we begin 2023, we are at a much better starting point than a year ago. While global economic growth may slow this year (essentially a lagging indicator), several positives have already emerged: China is re-opening, which means a much-needed boost to economic growth in the world’s second-largest economy. There is now compelling evidence that inflation has peaked and will continue to abate.
Asset Class Gameboard shows all good things must end
Scott Pape, author of The Barefoot Investor: "I'm an avid reader of Cuffelinks. Thanks for the wonderful resource you have here, it really is first class." Reader: "Congratulations on a great focussed news source. Australia has a dearth of good quality unbiased financial and wealth management news." Eleanor Dartnall, AFA Adviser of the Year, 2014: "Our clients love your newsletter.
Five steps to ease retirement stress and FORO
A mix of health concerns, market volatility and employment disruption felt over the past two years and recent cost-of-living stresses have increased concerns about their retirement. This slippage is evident in key comparisons with our 2020 research: Employees today expect to retire half a year later than they did in 2020. They expect to retire with $100,000 less in retirement savings – their total expected retirement saving has fallen from $500,000 to $400,000.
Welcome to Firstlinks Edition 477 with weekend update
The Weekend Edition includes a market update plus Morningstar adds links to two highlights from the week. 30 September 2022 and weekend market update The S&P/ASX 200 fell 6.2% in the month of September 2022 giving back all the gains made in July and August and leaving the quarter up only 0.4% and the 12 months down 7.7%. Small caps fared worse for the month, with the S&P/ASX Small Ordinaries down 11.2% and 0.5% for the quarter, taking the annual loss to -22.6%.
Results from our retirement experiences survey
Our Reader Survey on retirement experiences drew about 700 responses, an excellent sample given it was limited to retirees. We also received thousands of comments, and we are honoured that so many readers allowed a glimpse into their personal experiences. The comments are collected into this document. (Please note, this is a large document but we wanted to include all comments since people went to the effort to write them).
Minister Jane Hume on SMSFs and superannuation reform
Senator the Hon Jane Hume Minister for Superannuation, Financial Services and the Digital Economy Address to the Self-Managed Super Fund Association Annual Conference Tuesday, 16 February 2020 Introduction Thank you, it’s terrific to be joining you again. This conference is always a great way to start the year and a welcome opportunity to outline the Government’s plans for the self-managed super sector.
Welcome to Firstlinks Edition 393
Weekend market update: On Friday, both the S&P500 and NASDAQ in the US posted modest gains of around 0.4%, and that latest bellwether (??) stock, GameStop, finished at $63.77, down 80% for the week. But it was a strong five days elsewhere, with the broad US market up 4.7% to a record high and Europe adding 4.6%.
Achieving a better risk result for retirees
Retirees tend to view the world very differently to accumulators. As a result, this cohort of clients is likely to require different approaches compared to accumulator clients. Financial advisers may need to use new strategies and thinking to best help them. In particular, when people enter retirement their views on, and appetite for, risk may change quite dramatically.
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