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Key global trends – equity rally continues Global equities continued their V-shaped recovery in August, while the $US continued its decline. In a counter-trend move, perhaps reflecting growing i...

The answer is: as soon as you begin working. Too late for that? Remember that saving will be easiest if you start now. Saving for retirement is effectively a balance between your quality of life today...

Superannuation Overview Why invest in superannuation? Superannuation is an investment environment designed specifically to help you save for retirement. Knowing what superannuation is and how it works...

Key global trends – equity rally continues Despite still-rising COVID-19 cases globally – and signs of a tempering in the economic rebound – the V-shaped global equity recovery continued int...

Key global trends – equity rally continues The global equity market recovery continued into June, reflecting a lift in some economic indicators as social distancing restrictions eased and investors ...

The importance of diversification Before we discuss the various investment strategies, it’s important to highlight the significance of diversification. Like any type of investment, spreading your s...

This article was produced with the help of Resmiac, click here to view the full article. Important information and disclaimer The information provided in this document is general information only and...

Key Global Trends – Equity Rally Continues Global equities pushed higher in May, continuing the rebound of the previous month, reflecting ongoing hopes of a speedy return to economic normalcy as...

What is it? HomeBuilder provides eligible owner-occupiers (including first home buyers) with a grant of $25,000 to build a new home or substantially renovate an existing home. As the government’...

Early access to super – important considerations This is an exceptionally difficult time for many people. Accessing some of your super savings may help you to make ends meet until your circumsta...

April was positive for financial markets, with early signs of a momentum based recovery from the bottom of the market in late March. Given the level of market volatility, the extent and speed of the r...

Shares or stocks are a popular investment for many investors but can be intimidating when you are starting out. However, to invest successfully, it is important to first understand how investing works...

Key Global Trends – equities slump The coronavirus-led ‘risk-off’ trade that started to build in late January continued into March, with the MSCI All-Country World Equity return index declining ...

On Monday 23 March 2020, the Australian Federal Parliament passed two coronavirus economic stimulus packages, worth $17.6 billion and $66 billion. Subsequently on 30 March 2020 the Government announce...

Smart steps for those with reduced incomes 1. Start with your income and assets There are two sides to budgeting: what you spend and what you earn. If your income has already taken a hit because of th...

The economic impact of Coronavirus so far (as at 18.03.20) An update on current market developments Over the last few days, we have seen significant volatility across global financial markets reflecti...

Key Global Trends – equities retreat The coronavirus-led ‘risk-off’ trade that started to build in late January continued into February and the early weeks of March. Global equities have reverse...

Volatility is an inherent feature of financial markets, so it is important to look through the noise. Markets can be subject to periods of event-related volatility, from events such as economic uncert...

Key points While reported new coronavirus cases in China have slowed, the pickup in cases outside China has led to a renewed sharp fall in share markets and bond yields. Our base case is that the outb...

  Key Global Trends – virus fears Global equities started the new year on a strong footing, thanks to an easing in global trade tensions. That said, new fears related to the coronavirus have mo...

Before you complete your day, you will make 10,000 decisions. That number comes to us from Noreena Hertz, an economist and author of Eyes Wide Open: How to Make Smart Decisions in a Confusing World. T...

Investment markets and key developments over the past week The solid rally in share markets since the beginning of the year continued this week, with both US shares (up by 2% over the week) and Austra...

When you hear the term ‘cash management’ and ‘budgeting’ you probably start thinking about spreadsheets, bank accounts and wondering where your money goes every month. For some...

Key Changes Legislation has passed that allows eligible first home buyers to purchase a house with as little as a 5% deposit via the First Home Loan Deposit Scheme.   The Government has released con...

What changes are being made? On 23 October 2019, the Federal Government introduced the Treasury Laws Amendment (Reducing Pressure on Housing Affordability Measures) Bill 2019, which proposed amendment...

Video – Market Trends: December 2019 David Bassanese shares the last market wrap up for 2019. In his video he discusses what influenced the markets in 2019, what how things are likely to shape u...

Despite a likely improvement in the global economic outlook in 2020, this note explains why the $A may well slip further next year – due to an unwinding of the recent iron-ore price boom, $US streng...

The Power of Less Downside – The 80:60 Case Study The power of compounding is profound and well understood. What is less understood is the power of managing your downside. Too often we focus on ...

Key Global Trends – Equities still pushing higher   Major trends across the four major markets we track above remained unchanged last month, with global equities, gold and the $US still pointin...

Key Global Trends – bond yields snapback Trend signals for major markets remained unchanged last month.  Though they remain in a sharp downtrend, global bonds yield finally bounced last month as th...

Risks you might not have thought about for your SMSF portfolio Diversifying Your Portfolio Most of us all know that a primary rule of thumb when it comes to investing is to not keep all of your eggs w...

There is no doubt that interest in responsible investments is growing. Not only in Australia but globally, investors are increasingly interested in how a company makes its money, not simply how much i...

Contrary to what some people may think, debt can help you build your wealth – especially if the debt is used responsibly with a clear plan and objective. In this article, we look at three ways t...

Many people don’t think twice about insuring your car, with the average premium being about $1,239 per annum in NSW (according to mozo.com.au). The value of the asset that you are protecting is ...

Key Market Trends – Trade Tensions Return August saw a return to ‘risk-off’ sentiment in global markets, reflecting a resumption in US-China trade tensions, growing signs that these tensions...

Upsize your super with downsizer contributions People aged 65 or over may be eligible to make additional super contributions of up to $300,000 per person from the proceeds of the sale of their home fr...

With signals like the RBA cutting the official cash rate, APRA loosening their serviceability guidance to banks and the risk of changes in government policy disappearing it is no wonder that people ar...

Asset Class Performance – bonds still driving equities There were more modest moves in global financial markets over July, with earlier aggressive expectations of US Federal Reserve interest rat...

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...

“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...

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 edit...

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 e...

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 cont...

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 peo...

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 tension...

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...

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...

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 b...

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, t...

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 ...

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, ho...

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 ...

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 af...

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 simpl...

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 Merr...

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 b...

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 al...

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 chang...

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 th...

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...

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, li...

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 ...

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 mar...

Global Market Outlook: Strong Earnings Global equities pushed higher last month reflecting steady bond yields, reasonable valuations and – most importantly – continued strength in earnings. Techno...

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...

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...

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 ...

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...

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 result...

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 ben...

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 U...

  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 ...

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...

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 tha...

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 U...

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 i...

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 than...

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-effective...

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