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Portfolio Manager at Lazard Asset Management, Aaron Binstead, joins host Grace Ormsby in this episode of the nestegg podcast to dissect Australia’s current ‘soft’ financial climate, and why defensive investing could be the right strategy for a multitude of investors.

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Aaron defines defensive investing comparing it to conservative investment options, analyses the types of investors who should be considering it as an investment strategy, and provides examples of industries where Lazard Asset Management predict growth for investors – also delving into the criteria they assess investments against.

With diversification an important part of a thriving investment portfolio, Aaron reveals some of the diversification mistakes that investors make, what SMSF investors should consider when selecting investment opportunities, and how investment decisions can impact an individual’s portfolio.

Thanks Aaron, for sharing your insights with the Nest Egg podcast team!

You can keep up to date with what Aaron is up to HERE

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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Wednesday, 23 October 2019

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Retirement

Early access to super could ‘erode’ asset base

By Miranda Brownlee · January 31 2018

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Retirement

Early access to super could ‘erode’ asset base

By Miranda Brownlee
January 31 2018

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Early access to super could ‘erode’ asset base

By Miranda Brownlee · January 31 2018

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Allowing early access to superannuation benefits could result in unhappy consequences and lead to future disadvantage for funds’ members, a technical expert has warned.

In light of the government’s consultation on the rules governing the early release of superannuation, NAB director of SMSF and investor behaviour Gemma Dale said that allowing the early release of superannuation for a wider range of circumstances could mean that individuals are disadvantaged in the future.

“The sole purpose test is there to provide for your retirement and so the early access restrictions were originally designed to support you in a scenario where you probably wouldn’t make it to retirement if you didn’t get early access to your super, such as life threatening conditions for example,” she explained.

“I think broadening the range of conditions or circumstances under which funds can be accesses does have the potential to erode that asset base and therefore while you help someone now, they may be circumstantially disadvantaged in the future, and maybe we need to look at alternatives for that.”

Ms Dale said she has seen examples under the current early access rules where individuals have accessed their superannuation and have been left in a worse position because of the ongoing nature of their condition. She also acknowledged the sensitivity and complexities associated with creating legislation that deals with mental health, and the importance of getting it right.

“I spoke to a man who withdrew his superannuation to pay for rehabilitation for his alcoholism, but he didn’t complete the rehabilitation program, and has continued to have a patchy relationship with alcohol since,” she said.

The man who is now in his mid to late 40s now has no superannuation, she said.

“So it didn't have the desired outcome in that it has not resolved the health issue that he had and he now has no superannuation to provide for his retirement, and his health is not going to allow him to work well into his 60s,” she said.

“So I appreciate the difficulty for government in trying to legislate for scenarios like this – it's really hard.”