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The vital role of insurance in super for disability care

“The vital role of insurance in super for disability care”. This is a sad and true story of a young man – let’s call him Mikey – who in July 2015 at the age of 31 suffered devastating injuries whilst participating in the sport he loves, mountain biking. Mikey is now a tetraplegic, meaning his injury affects all four limbs, and with limited neurological recovery expected, he will always have a high dependency for care.

China’s paradigm shift and why I’m (still) cautiously bullish

China’s national bureau of statistics recently revealed that in 2015 the country’s gross domestic product grew at its slowest rate in the past 25 years, reigniting fears of a prolonged slowdown for 2016. As expected, this headline added to nervousness and even panic in global markets. Decades of exceptional double-digit growth rates and unquestioned over-reliance on China’s ability to drive growth have built some very high expectations.

The merits of reversionary versus non-reversionary pensions

Superannuation legislation is full of complexity which unfortunately disguises valuable financial planning opportunities. One example is the decision whether to commence a reversionary pension or a non-reversionary pension as part of estate planning. Both pensions can be paid from an SMSF provided the Trust Deed allows for these benefits, but it’s important to know the differences.