Retirement

The merger is complete.

Write comment (0 Comments) " ["fulltext"]=> string(2574) "

The merger is complete.

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A local life insurer has made the claim.

Write comment (0 Comments) " ["fulltext"]=> string(2032) "

New research from MLC Life Insurance suggests 60 per cent of superannuation fund members have never heard of the stapling reforms implemented late last year, which leaves them “at risk” of having inadequate or no life insurance protection when changing jobs.

Introduced last November, the stapling reforms require employers to make super contributions to an existing fund for new employees unless the employee decides otherwise.

Given that 70 per cent of Australians hold life insurance inside superannuation, MLC Life Insurance chief group insurance officer Mark Puli said super funds and insurers must do better to keep their members informed.

“It’s disappointing to see most members are unaware of stapling. We understand and support the intent of these changes - to reduce the number of Australians with multiple superannuation accounts - but in practice, it means people won’t have the right cover for their circumstances,” Mr Puli said.

“The average Australian changes jobs 12 times throughout their lifetime. In that time, they may get married, have kids, buy a home, and take on more debt. It’s imperative that members have the right cover for their needs and if they aren’t prompted to review it, they simply won’t.”

An MLC Life survey of 1,500 members also found that only 42 per cent ever review their life insurance cover in superannuation.

58 per cent of members who have modified their insurance said they are more likely to stay with their fund in the future, however, just 23 per cent were aware they could do so.

“As regulatory change reshapes the industry, putting more onus on members to make an active choice about their protection needs, life insurers and superfunds must redouble their efforts to lift member engagement,” Mr Puli continued.

“Our focus has therefore been on improving the way technology is used to allow members to make changes to their cover simply, and to do so in a more transparent way.”

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A local life insurer has made the claim.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#7443 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(2) "-1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7101 (3) { ["data":protected]=> object(stdClass)#7115 (1) { ["options"]=> object(stdClass)#7113 (2) { ["options0"]=> object(stdClass)#7112 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#7114 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7111 (3) { 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The statistics have begun to change coming out of the COVID-19 pandemic, according to new findings from Australian Investment Exchange Limited (AUSIEX).

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The Australian provider has reported that SMSF growth has continued following the peak of the pandemic. However, most notably the shift has moved from self-directed to advised clients with a particular spike coming in September 2021.

According to AUSIEX, the advised book is 51.3 per cent of all SMSF accounts, the self-directed segment makes up 43.9 per cent and the remaining 4.8 per cent is attributed to advised wrap platform accounts.

“Self-directed investors who not long ago had the time to set up and manage the compliance obligations and direct their investments, may be finding themselves facing both challenging investment conditions and time poor once again,” AUSIEX CEO Eric Blewitt said.

“As a consequence, they may now be again seeing the value in and actively seeking professional advice.

“Advised clients are a distinct group within SMSF accounts and have regained ascendancy over new self-directed SMSF accounts in the second half of 2021.

Advised SMSF clients are far more likely than self-directed SMSF clients to trade ETFs and are also more bullish on AREITs, hybrids and exchange-traded physical commodities.”

Meanwhile, the number of millennial-advised SMSF clients has quadrupled in the last ten years, while females accounted for 28 per cent of new advised principal contact SMSF clients as at February 2022.

The figure is an impressive spike, given females made up just 18.5 per cent of new advised clients in 2012.

The findings come after this month’s SMSF Association 2022 national conference, where CEO John Maroney urged trustees to be cautious of technology changes in the sector.

Speaking at the event, Mr Maroney said that technology advances will benefit the sector, however, they “will be evolutionary, not revolutionary” and that “any change must benefit the SMSF trustee”.

“The building blocks for a strong integration between technological change – I include Artificial Intelligence (AI) in this – the advice community and trustees are in place, and now we must focus on maximising the benefits for both the industry and trustees,” he said.

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The statistics have begun to change coming out of the COVID-19 pandemic, according to new findings from Australian Investment Exchange Limited (AUSIEX).

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The Actuaries Institute says the legislation has an opportunity to improve the living standards of millions in retirement.

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The organisation’s senior actuaries, Jim Hennington and Andrew Boal, have released a new paper designed to help superannuation funds navigate the incoming Retirement Income Covenant (RIC).

Set to take effect from 1 July 2022, the RIC will require superannuation trustees to plan and outline a retirement strategy for members and Mr Hennington and Mr Boal have developed a framework to help bridge what they believe say is a “gap in clarity” for super trustees.

In the dialogue paper, they argue that difficulties arise for fund members in “middle Australia”; that being retirees who want a lifestyle more than that provided by the age pension, with extra spending during the healthier years of early retirement, but who do not want their super and investment income to run out before they die.

“When you retire, your salary or wage stops. From that point on, you need to fund your lifestyle using your own savings plus any age pension income that you might become entitled to,” Mr Hennington explained.

“For very wealthy people, this might be easy. For those on lower incomes, it can also be straightforward – if they are managing on the income provided by the age pension. But for many people in between, which we refer to here as middle Australia, the maths to get this right is really difficult.

“Applying this over what could be a 30-year time frame in retirement is complicated and requires new thinking. Trustees will have to be more hands-on and not leave the lifespan risk issues to members.”

The new paper also outlines metrics for trustees to determine period of retirement end date, safe retirement income expected retirement income and retirement income risk.

Following changes to superannuation legislation in February, trustees must have a retirement income strategy in place and publish a summary by 1 July.

“Having a robust and effective retirement income system is crucial for the wellbeing of all Australians,” Actuaries Institute chief executive Elayne Grace said.

“The passage of changes to super legislation, to give effect to the retirement income covenant, was a significant milestone in providing retirees with a reliable, secure and adequate income, with the aim of enabling retirees to live with dignity in retirement.”

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The Actuaries Institute says the legislation has an opportunity to improve the living standards of millions in retirement.

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A new survey has suggested that Gen Z are just as likely as Baby Boomers to have a self-managed super fund.

Write comment (0 Comments) " ["fulltext"]=> string(2706) "

Young people are now taking control of their super investments as much as older generations with a new eToro survey finding that 47 per cent of Aussies aged under 35 currently have a self-managed super fund (SMSF).

Around 45 per cent of Gen Z respondents were found to have an SMSF, equal to the uptake among Baby Boomers, and 76 per cent of these Zoomers said they had created their SMSF within the past five years.

Two-thirds of Aussies aged under 35 with an SMSF said they had been building their fund for between one and five years.

“Despite stereotypical perceptions, Millennials and Gen Z Aussies are increasingly taking their superannuation and finances into their own hands,” said eToro Australia MD Robert Francis.

“They are realising the importance of investing younger than their parents - many as soon as 18 - in order to put themselves in an advantageous position for a comfortable retirement.”

A third of the young Aussies surveyed believed that they could get a better average return managing their super themselves compared to a traditional super fund.

Most young people said they were focused on generating a diversified SMSF portfolio, including 84 per cent of Millennials and 75 per cent of Gen Z.

The SMSF portfolios of Millennials were predominantly filled with stocks (60 per cent), crypto (43 per cent) and property (41 per cent).

Meanwhile, Gen Z respondents were more likely than Millenials to hold stocks (72 per cent), crypto (64 per cent) and property (50 per cent) in their portfolio, but both younger generations held less property than those aged over 45 (54 per cent).

For Millennial stock investors, the local share market is preferred (45 per cent) to the US (32 per cent), in contrast to Gen Z stock investors who favoured the US markets (47 per cent) ahead of the ASX (29 per cent).

Both generations highlighted tech, energy, real estate and financials as their top sectors, along with specific preferences of healthcare for Millennials and materials for Gen Z.

eToro said that young investors tended to shy away from investments with a higher perceived risk such as CFDs, options and FX.

The biggest barriers cited by those who don’t have an SMSF included not knowing where to begin, not knowing how an SMSF works and preferring someone else to manage their super on their behalf.

36 per cent of Millennials said they contributed between $5,000 and $10,000 to their SMSF annually while 50 per cent of Gen Z contributed between $1,000 and $5,000.

Only 16 per cent of those aged under 35 contribute more than $10,000 to their fund per year.

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A new survey has suggested that Gen Z are just as likely as Baby Boomers to have a self-managed super fund.

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