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With Healthscope now listed around $2.20, would you advise it to be a good buy for the long term considering it has plenty of room for growth compared to Ramsay?
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A comment made recently by Gary Stone got me thinking.
Gary mentioned that most fund managers reference one of the common market indices as their benchmark but not many reference an accumulation index (i.e. one that includes dividends) and very few funds outperform accumulation indices, at least not over time.
Is this the case in your experience?
If so, would it be prudent to say buy and EFT which tracks an accumulation index (eg RVL) on the probability that one will be achieve a higher return than most fund managers over time?
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It seems the TTR is based on an after tax cash neutral position. If making the maximum salary sacrifice amount anyway, and over 55, what would be the advantage in starting a TTR?
If your goal is to build up the maximum amount of super before retirement say at 65, would you take the minimum or maximum pension amount or something in between?
I can see the benefit of receiving a 15% pension offset and after age 60, tax free income in the pension, so in that scenario I would assume taking the maximum 10% would provide the maximize gain. However between 55-60 I find the example less clear.
Would the advantage only be the 15% tax offset, and if yes, I assume taking the maximum 10% in the TTR would apply to maximize the offset?
If this is correct and you did not need the income you could recycle the after tax pension funds back into your super accumulation account as an after tax contribution. If you could clarify I would appreciate it.
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What do you think of the LIC GVF – Global Value Fund for international shares?
I have just returned from overseas holiday and while we were away we received a letter from Geoff Wilson advocating we invest in the IPO. We missed that, and when I checked the shares had dropped a little, but if the US dollar goes up as Peter Switzer keeps suggesting, this LIC should do well.
I am out of touch and need your advice before investing. Can you help?
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My wife is 69 and I am 72. We are semi-retired, have our own company, and earn a reasonable income.
We are planning to invest $600k from our SMSF into the equities markets, with the objective of doubling the value of that investment over a period of 10-12 years.
We would also like to generate a net income return of 4% – after allowing for inflation – from a part our investment, although this is very much a secondary objective, aimed largely at helping out with our grandchildren’s school fees.
Having little knowledge of the markets ourselves, it would seem sensible to us to place the majority of our money with one or more professional fund managers, each of whom we would want to see demonstrate superior returns over a period of say, 15 years, and who also offers a competitive fee structure.
As a consequence of leaving the day-to-day management of our portfolio to such managers – who we understand have access to teams of researchers, and a much deeper knowledge of the markets than ourselves – we would like to be able to rely wholly on their decisions and therefore adopt a largely “set-and-forget” approach in terms of our own involvement.
Our limited research has thrown up some areas which have general appeal and which may also contain opportunities consistent with our objectives. These include: international equities generally, and the US in particular, large infrastructure projects, and the top 10-20 Australian stocks.
In summary:
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How do you know if the share price is too high; with PE ratio as a guide, future earnings, sales growth, debt/equity ratio, etc? Or, is there something else that is a helpful guide to determine if the stock is a hold, sell or buy?
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