Category Archives: Financial Planning

Key Issues for 2019

Here are some of the key issues likely to shape decisions in 2019. Investment Markets In the second half of 2018, share and residential property markets have fallen by around 10%. Rising interest rates in the USA, US/China trade tensions and already expensive prices in some markets, is causing stress for investors. In Australia, high […]

Why you need an Enduring Power of Attorney

As our population ages, so do more people loose their capacity to make legal decisions. However, a properly executed “enduring power of attorney”, allows a person (donor) to appoint a “personal legal representative” (LPR) to make decisions on their behalf, even if the donor looses their “legal capacity”. This avoids the costs incurred when seeking […]

Understanding Exchange Traded Investments

The Australian Stock Exchange now offers several products that are an alternative to traditional managed funds. They offer an exposure to different asset classes and strategies in a typically liquid, simple and cost effective manner. That is, investors have found the relative price transparency and ability to transact without having to fill in applications forms […]

Beware of “Hot” Stocks

Schroders, in the Nestegg 28th Sept. publication, explain the perils of buying the latest “hot stocks”, which are typically companies operating in “sexy” sectors such as technology or healthcare with a potential reach to places like China. Mergers and acquisitions or just a very persuasive story can create further excitement regarding both established as well […]

Living with Investment Risks

Great uncertainty continues to surround the future direction of investment markets. “Expert” opinion seems to range from an expectation of “more of the same” over the next 1-3 years to one of high investment risk, leading to a severe global recession. What’s more, the opposing arguments are persuasive, which confirms the difficulty of assessing risks […]

Key Super Changes for 2017/18

These significant changes took effect from 1st July 2018. Downsizer Contributions Individuals aged 65 years or over are now able to contribute up to $300,000 (per person) to superannuation from the proceeds of selling their main residence. These ‘downsizer contributions’ can be made regardless of other restrictions and caps that apply to voluntary super contributions […]

What Kind of Return is Better… Cash or Capital growth?

You might have heard the terms ‘income return’ and ‘capital return.’ These are the two different ways to make money on an investment. Income return is the return you receive while you continue to hold an investment. In the sharemarket, the income return comes as dividends. In the property market, the income return comes as […]