This issue of Wealth Adviser includes:
-
The Great Australian Urban Exodus: How housing costs are reshaping our cities and regions
Australia’s cities are experiencing a significant shift due to a severe housing affordability crisis, with only 10% of the market remaining affordable for median-income households. This crisis has led to an exodus from major cities, particularly among industrial, care, and service workers, as well as knowledge workers. Many are relocating to outer suburbs or regional areas, seeking more affordable living conditions. This movement has profound economic and social implications, including potential labour misallocation and occupational segregation in urban areas.
-
Trump 2.0: Navigating Investment Strategies in a Shifting Global Landscape
Donald Trump’s return to the White House has triggered significant market reactions, with U.S. bond yields rising and the dollar strengthening. His proposed policies, including high tariffs on Chinese imports and aggressive fiscal measures, are expected to reshape the global investment landscape. Constraints such as bond market reactions and political pressures may moderate the implementation of his agenda. Investors are advised to adopt a more measured approach, focusing on geographic diversification, sector allocation, and risk management.
-
Trust Structures in Estate Planning: A comprehensive guide to family and testamentary trusts
Trust structures play a crucial role in modern estate planning, offering benefits such as tax efficiency and asset protection. Family trusts, created during one’s lifetime, allow for flexible income distribution and protection from creditors. Testamentary trusts, activated upon death, provide control over asset distribution and favourable tax treatment for minor beneficiaries. Effective use of these trusts requires careful planning and professional advice to navigate their complexities and maximise their benefits.
Q & A
- My insurance premiums have become very expensive. What are some ways I can reduce my premiums?
- I’m looking for a tax-effective way to invest for the long term. I heard that this could be done via an investment bond. What are the benefits of an investment bond?
- I am considering reducing my work hours as I near retirement. How does a transition to retirement work with regards to super?
