Latest INSIGHTs

With spring season on the horizon and conditions looking like they are turning a corner. There has not been a better time to start thinking about building a property portfolio.  We’ve teamed up with 9 other industry experts to help you become a property nerd......

“I will be better organised this financial year…” Some people say this to themselves on 1 July every year, then 12 months down the track, nothing much has changed. Why? It could be a variety of reasons: too hard, it’s boring, it takes up too......

This month we attended a conference hosted by KPMG and the Responsible Investment Association Australasia (RIAA) for the release of the 2019 Responsible Investment Benchmark Report. This was 18th edition of the report prepared by RIAA and it details industry data on the size, growth,......

Key market trends – bond driven equity rally May’s US-China trade fears gave way to central bank easing hopes in June, with a further decline in bond yields helping power a rebound in global equity markets. New dovish signals from the US Federal Reserve saw......

An effective long-term contribution splitting strategy can significantly increase a couple’s shared wealth and increase their capacity to make more and larger contributions into super. A spouse contribution split can be of assistance in reducing a member’s total super balance below one of the trigger......

The Problem Most of our clients had the same problem in that as life goes on, things seemed to get more and more complex and that meant more things to deal with in relation to their finances. Most people have quite a number logons for......

Asset Class Performance – Trade tensions rising Gold the best performing of our seven major asset classes* in May, while Australian equities also posted good returns. The resumption of trade tensions between the US And China saw equity markets pull back from April’s strong performance,......

It is uncertain with the potential change of government how some of these strategies will fair going forward, however, as of April 2019 we know that there are things that you can do to make your super work harder for you. Tax-deductible super contributions You......

Asset Class Performance – global equities power on Global equities were the best performing of our seven major asset classes* in April, while Australian equities also posted good returns. Supporting stocks was a better than feared US earnings reporting season, persistent low inflation and continued......

Property gains on lower rates Australian listed property was the best performing of our seven major asset classes* in March, benefiting from a steep drop in global bond yields as central banks moved back to a more neutral policy stance. Indeed, Australian bonds were the......

With the 2019 Budget week having concluded following the formal delivery of the 2019/20 Federal Budget by the Treasurer on 2 April 2019, and the Opposition response on 4 April 2019, it’s now “game on” in terms of policy positions as the electorate starts to......

After a period of momentous growth, fears of further Federal Reserve rate hikes and uncertainty surrounding the US-China trade war, saw tech stocks take an unpredictable ride in 2018.1 But arguably, these are companies that are often on the cutting edge, always looking for new......

Major Asset Classes* – Oz Equities Shine Australian equities were the best performing of our seven major asset classes in February, with good gains across several sectors. Relief that the Hayne Royal Commission report recommendations were not as bad as feared for banks helped the......

Major Asset Classes – global equities storm back Global equities returned a strong 7.3% in local currency terms during January, unwinding their 7.2% slump in December. The return in $A terms, however, was a more muted 4.5% reflecting a rebound in the Australian dollar over......

We believe there are a number of core themes that are likely to drive investment market conditions in the coming year. Here are five that, for better or worse, may be part of the investment landscape in 2019. Global economic downturn in investment markets This......

With the Australian federal election fast approaching, it is a good time to take a deeper look into the super and tax policies of each the two major political parties and how they could potentially affect you. It is important to note that these are......

Your home may be looking minimal and serene in 2019 thanks to author and TV host Marie Kondo. But could your finances do with some decluttering too? Find out how to go about it with our guide to simplifying your budget, bank accounts, super and......

Financial advice isn’t just for people with wealth. Whether you’ve set your sights on owning a home or retiring early, advice from a financial adviser can help you make it happen. A poll that Merrill Lynch ran on its Twitter handle in 2017 asked the......

Overview – global equities stage a modest comeback Global equities returned a modest 1.3% in local currency terms during November, partly unwinding their sharp 6.9% slump in October. An easing back in global bond yields supported both bond and equity returns in the month, reflecting......

If you’re thinking of buying an investment property in Australia, you may have the nagging feeling you’ve arrived at the party a little too late. You possibly have. With property prices at near all-time highs, we ask: is this still a good strategy to use......

There has been quite a bit of media around the proposed changes to negative gearing if Labor wins the election next year. In this article, we will explain how negative gearing works and what may change going forward. What is Negative Gearing? An investment is......

Where to next?   We are at an inflection point when it comes to the outlook for US monetary policy because three macroeconomic realities are colliding that could lead to a sudden tightening by the Federal Reserve over the next 12 to 18 months. The......

We’ve all heard of the BoM&D (Bank of Mum & Dad) some of us are the bank and some of us are customers of it. The concept isn’t a new thing but with property prices in Australia climbing to all-time highs, it means larger minimum deposits......

The US midterm elections on November 6th resulted in a divided government—the widely expected outcome—with the Democratic Party gaining control of the House of Representatives while the Republican Party maintained their majority in the Senate. We believe the markets were largely priced for this outcome......

The Problem Life seems to get more and more complicated each day. If you are like me or any one of our clients then you will have your financial life spread across different financial institutions, life companies and work with different service professionals. It becomes......

What is Asset Allocation? If you were given a dollar and were asked to invest that dollar where would you invest it? Would your answer still be the same today as it was last year? Or even five or ten years ago? Since 1989, no......

Global Market Outlook: Holding steady for now Reasonable valuations and good earnings outlook should assist global equities in the face of higher rates. While technology remains dominant in global markets, Japanese equities enjoyed a standout performance in September. Australian equities eased back during the month,......

Global Market Outlook: Strong Earnings Global equities pushed higher last month reflecting steady bond yields, reasonable valuations and – most importantly – continued strength in earnings. Technology remains flavour of the month, whereas gold exposures are least favoured. Watch more from Ben Bassanese, Chief Economist......

Every business owner will one day exit their business. Sometimes it will be due to an insurable event, such as death. But there are a broad range of exit triggers that are not insurable, some of which can be planned (such as a trade sale......

There’s certainly been no shortage of headlines recently around the Australian housing market, mortgage lending, and supposed impending credit crunch. While headlines can draw attention to important matters, they can also be sensationalised to capture the reader’s attention; distracting and creating confusion around what is......

SMSFs and knowing your property options We’re a nation that loves property – and the ability to buy property within an SMSF can be a significant factor in establishing one. Based on the June 2017 SuperConcepts Investments Pattern Survey, property makes up around 20% of......

Here are some of the key changes that took effect on 1 July 2018 that could impact your situation or otherwise create opportunities for you and your family. Buying your first home? Status: Bill passed Effective: 1 July 2017 for super contributions and 1 July......

Global Market Outlook: Continued slow growth Trade fears took a bit of a back seat over the past week allowing investors to focus on positive underlying fundamentals including good US earnings results, which saw most major share market rise. This included the Australian share market which......

The maximum value for participants in the First Home Super Saver Scheme (FHSSS) will generally arise from making voluntary concessional contributions (CCs) to their super fund. A large part of the benefit stems from the tax differential between personal marginal tax rates that would otherwise......

Global Market Outlook: Recovery Continues Global equities continued their rebound in May, after good gains in April, as interest rate and geopolitical risks eased somewhat, while the tail end of the US corporate earnings remained strong. Watch more from Ben Bassanese, Chief Economist at Betashares…......

  Scott Morrison’s third budget is headlined by $140 billion in tax cuts over the next decade, immediate tax relief of up to $1,060 a year for middle-income households and a fundamental reform of the tax system.   Summary of Budget measures Note: These changes......

Global Market Outlook: Testing Times The pull back in global equities continued in March, with the MSCI All-Country Net-Return Index dropping 2.2% after a 3.5% drop in February.  On a month-end basis, this Index is now down 5.7% from its January peak, which is still......

According to the ASG Planning for Education Index (link here) released in January 2018, the costs of educating your child through the private system could be as high as $475,342. It also estimates that it could cost $66,320 in the public system and around $240,679......

Global Market Outlook Volatility is Back! Global equities pulled back in February, with the MSCI All-Country Index dropping 3.5%, largely due to concerns over rising inflation and bond yields in the US, following a higher than expected US wage gain reported for January. By region,......

Current investors have never had more choice when it comes to investment opportunities, but with all this choice there’s always been one common objective – and that is to make a profit. But what if you, as an investor, were able to make that profit......

Global stock markets could face the most volatile period since 2008-09 We are in uncharted waters. Prices for sovereign, corporate and high-yield bonds and equities are at, or near, record levels thanks to the ultra-low policy interest rates and the massive quantitative easing programs of......

With the end of financial year (EOFY) approaching quickly, it’s now a great time to start thinking about some of the actions that you could be taken before 30 June to build your wealth tax-effectively. Your key priorities may include: Maximising super contributions without exceeding......

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