Blog: Investment Markets

Blog: Investment Markets

The basics of interest rates.

13 October 2017 - posted in Investment Markets and Pre-Retirees and Retirees by Sam Martin

Interest rates are very important for many Australians, and rightly so – after all, whether it's the returns on savings accounts or mortgage repayments, the rate of the day can have a significant impact on the household budget for millions of Australians. So what influences interest rates, and why are they changed?

Accessing super to buy a first home- is that REALLY the smartest option?

4 April 2017 - posted in Investment Markets and Pre-Retirees and Retirees by Sam Martin

Recently we have seen some organisations and politicians promoting the idea of first home buyers being able to dip into their superannuation to fund the purchase of a home.

Left vs Right Brain investing

23 February 2017 - posted in Investment Markets and Pre-Retirees and Retirees by Michelle Sanchez-McCallum

You may have heard the theory about the left vs right brain and how it affects our interests, the way we think, feel, make decisions and learn. But what about the way we invest?

OBSERVATION: The US Election and the News headlines

11 November 2016 - posted in Investment Markets and Pre-Retirees and Retirees by Sam Martin

What a ride we have seen in the world markets over the recent US election. Every financial commentator was throwing their 2 cents worth in and then some.

Active vs Passive funds management

7 October 2016 - posted in Investment Markets and Pre-Retirees and Retirees by Sam Martin

I turn my computer on today and see another article debating the merits of using active fund managers when on the whole they struggle to beat their respective index.

The Age Pension paradox

12 August 2016 - posted in Government Benefits and Investment Markets and Pre-Retirees and Retirees by Lachlan Harvey

The more you save, the better your lifestyle in retirement. …or at least that’s the conventional wisdom.

Why rebalancing is important

19 July 2016 - posted in Investment Markets and Pre-Retirees and Retirees by John Oliver

It is commonly known that the biggest influence on your investment returns is your portfolio’s asset allocation. That is to say the proportion of shares, property and cash that make up your portfolio will determine its performance more than anything else.

It’s official - The Robots Are Coming!

8 July 2016 - posted in Investment Markets and Pre-Retirees and Retirees by Lachlan Harvey

I keep reading that we are all at risk of losing our jobs through robots and automation.

The Interest Rate dilemma

10 June 2016 - posted in Investment Markets and Pre-Retirees and Retirees by John Oliver

It is a difficult time for retirees at present with interest rates as low as they have ever been. With the cost of living rising every year, most are wondering how they can support their retirement capital if returns are less than what they need to drawdown. For the purpose of this article I have excluded any reference to additional age pension benefits.

Investing in a low interest rate environment

20 May 2016 - posted in Investment Markets and Pre-Retirees and Retirees by Craig Kirkwood

At the beginning of this month the RBA cut the cash rate to 1.75% and slashed its forecast for inflation from 2-3% to 1-2%. Markets are now betting that interest rates will be cut again to 1.5% by October 2016.

Negative gearing - what is it?

26 February 2016 - posted in Investment Markets and Pre-Retirees and Retirees by Lachlan Harvey

Negative gearing has been in the news a lot of late. It’s shaping up to be one of the hot topics of 2016 as both sides of politics consider it as an area for potential reform.

Can you stomach the slump?

10 February 2016 - posted in Investment Markets and Pre-Retirees and Retirees by Will Chapman

I first learned of Peter Lynch from his book One up on Wall Street 16 years ago and I then sought his other book Beating the Street.

Don’t fear Super changes

3 February 2016 - posted in Investment Markets and Pre-Retirees and Retirees by John Oliver

The sharemarket downturn in the first few weeks of this year has to some degree taken the spotlight away from the constant speculation about possible future changes to superannuation and how it will be taxed

Gone fishing….

23 November 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Will Chapman

The best fisherman I ever met was a Greek octopus fisherman when I was living in Europe. No fancy boats or fishing tackle; he just had a dinghy, a length of fishing line and a rock covered in alfoil.

Are my extra payments better in Super or my Mortgage?

18 November 2015 - posted in Investment Markets and Pre-Retirees by John Oliver

I am very often asked “is it better to pay more into my mortgage or put more into super?"

Redundancy – a blessing or a curse?

10 November 2015 - posted in Government Benefits and Investment Markets and Pre-Retirees by Brenton Miegel

I was taught at a very young age that there are two things that are certain in life – death and taxes! Something I have learned as a financial planner is that, whilst not a “certainty”, redundancies happen on an all too frequent basis.

RBA keeps rates on hold

4 November 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Sam Martin

On the first Tuesday of the month the RBA board meets to decide whether interest rates are going to move up or down or remain unchanged, the board meeting in November always coincides with the Melbourne cup.

Rational vs Emotional investing

20 October 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Brenton Miegel

The past six months or so have tested the patience of the most seasoned investors.

Thanks for the journey!

30 September 2015 - posted in Government Benefits and Insurance and Investment Markets and Pre-Retirees and Retirees by Brenton Miegel

This week it marks a significant milestone for me as a planner.

Are Aussies in their 30’s getting the financial raw prawn?

2 September 2015 - posted in Insurance and Investment Markets and Pre-Retirees by Will Chapman

The Actuaries Institute is presenting a report that suggests they could be!

How to survive a fall

26 August 2015 - posted in Investment Markets and Pre-Retirees and Retirees by John Oliver

Wow, what a rollercoaster ride the past couple of weeks have been in world sharemarkets. Making sensible decisions while we are anxious and emotional is always a challenge.

What is causing the recent market volatility?

17 August 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Sam Martin

One of the drivers last week was the action taken by China’s central bank. They devalued their currency by 2% last Tuesday and then another 1.6% last Wednesday.

Invest gradually to reduce the risk

15 July 2015 - posted in Investment Markets and Pre-Retirees and Retirees by John Oliver

Given the significant volatility in world sharemarkets over the past few years and given what is happening in Greece (and China), it is not surprising that investors would feel nervous about investing larger sums of money, such as accumulated retirement savings, inheritances or other windfalls.

Thinking of cashing in your investments? Consider your options

3 July 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Sam Martin

Thinking of cashing up? There are implications that come from selling units in your investment, especially in volatile markets.

Sequencing Risk - what can you do about it?

26 June 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Lachlan Harvey

How much risk should you take with your retirement income investments? Here is a great illustration to help you develop a deeper understanding of “sequencing risk.”

Do low fees really provide a better retirement outcome?

29 May 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Brenton Miegel

As a financial planner I read a multitude of articles in the printed press and on-line. Some of this relates to ongoing professional development, whilst other times it is more “general interest”.

The inside story on the proposed Asset Test changes - Budget 2015/2016

26 May 2015 - posted in Government Benefits and Investment Markets and Pre-Retirees and Retirees by Lachlan Harvey

Here’s a scenario that has had me puzzled since the 2015 Federal Budget outlined massive changes to the Age Pension Asset Test.

Are you redeeming Workcover?

22 May 2015 - posted in Government Benefits and Insurance and Investment Markets and Pre-Retirees by Will Chapman

Changes to the legislation regarding Workcover SA entitlements on July 1 2015 mean that many people are considering taking a Redemption payment, which is essentially a lump sum payment to finalise the Workcover process.

Do you REALLY need a SMSF?

12 May 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Will Chapman

In a recent conversation with one of Australia's leading SMSF experts, I was advised that nearly a quarter of Self Managed Super Funds have less that $200,000 in value.

How much is enough?

27 April 2015 - posted in Government Benefits and Investment Markets and Pre-Retirees by John Oliver

I have read some articles in recent newspapers that have indicated that $1 million is now not enough to retire and provide a comfortable income.

To gear or not to gear?

20 March 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Will Chapman

Gearing for investments occurs in two ways:

Changes to Deeming from March 2015

19 February 2015 - posted in Government Benefits and Investment Markets and Retirees by Lachlan Harvey

For pensioners that have their pension assessed under the income test there is some welcome relief coming in March as the deeming rates are reduced (slightly) to reflect the recent drop in the official cash rate.

Now that’s an interesting start to 2015!

11 February 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Brenton Miegel

It’s been an interesting first 6 weeks of 2015 from an investment viewpoint. There have been changes that are effecting global investment markets, and this in turn has impacted on the Australian share market and client investment portfolios.

Bonds: The New Neutral

5 January 2015 - posted in Investment Markets and Pre-Retirees and Retirees by Will Chapman

There's talk from Bond Fund Managers about "The New Neutral" (google Bonds New Neutral) referring to the potential for a sustained period of lower interest rates and lower global growth.

Christmas - a time for giving!

17 December 2014 - posted in Investment Markets and Pre-Retirees and Retirees by Lachlan Harvey

How’s this for an idea? Often people hold small parcels of shares where the cost of selling might erode much of the value of the shares.

Robbing Peter to pay Paul?

4 November 2014 - posted in Investment Markets and Pre-Retirees and Retirees by Will Chapman

A Chanticleer article in the AFR this week caught my eye, some of it I agreed with and some I disagreed.

Comparing apples with apples

27 October 2014 - posted in Investment Markets and Pre-Retirees and Retirees by John Oliver

Assessing the performance of your own super fund can be a difficult exercise for many investors, particularly if they take notice of the media too much.

Why did I choose Financial Planning?

20 October 2014 - posted in Government Benefits and Insurance and Investment Markets and Pre-Retirees and Retirees by Brenton Miegel

I'm regularly asked "how did you get into Financial Planning?" or "why are you a Financial Planner?". The short answer is that 'it happened purely by accident', but I have no regrets!!

The Sharemarket Game

21 July 2014 - posted in Investment Markets and Pre-Retirees and Retirees by Will Chapman

Are you keen to understand the sharemarket better?

Another year over, a new one just begun

3 July 2014 - posted in Government Benefits and Investment Markets and Pre-Retirees and Retirees by Brenton Miegel

Whilst it is no where near Christmas time (but just watch the next few months fly by) John Lennon's words are quite true - another year IS over and a new one has just begun.

Important news for SMSFs

1 April 2014 - posted in Investment Markets by Will Chapman

The SMSF media outlets have been busy this week reporting on the new ATO Penalty regime that has recently passed through Federal Parliament.

A tasty tax deduction for self-funded retirees

24 February 2014 - posted in Investment Markets and Pre-Retirees by Lachlan Harvey

My friend Mike retired from his government job a while back. Like many people in the government he retired at age 54 years and 11 months.