Many of my pharmacy clients don’t rely entirely on their business to support them in retirement. They take advantage of the concessions to be had investing in superannuation and invest in companies they like to build their wealth.

Depending on the answers to the questions I ask them, they may only invest a small amount into this area, some into property and the rest into cash and term deposits. The true dilemma today for retirees with interest rates so low is to get enough income to live off.

Please enjoy our analysts below and their views on what you should be looking at in 2015 and what has happened recently in our markets.