The reduction in the non-concessional contribution cap to $100,000 a year and to nil for clients with total super balances of $1.6 million or more has meant many clients are seeking alternative wealth accumulation vehicles.

It has become something of a cliché, but technology really is changing the way we live and work. On buses and trains, for example, half of the passengers are likely glued to smartphones or tablets. Technological developments are certainly not confined to telecommunications; in fact, new technologies are heralding enormous changes in a very wide range of industries globally. And, in some cases, technological advances are creating entirely new industries whose participants are enjoying stellar growth rates.