Array ( [0] => WP_Post Object ( [ID] => 1576 [post_author] => 1 [post_date] => 2019-09-23 03:01:30 [post_date_gmt] => 2019-09-23 03:01:30 [post_content] => [vc_row][vc_column][/vc_column][/vc_row] [post_title] => Introduction to Investing eBook [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => introduction-to-investing-ebook [to_ping] => [pinged] => [post_modified] => 2019-10-15 06:52:00 [post_modified_gmt] => 2019-10-15 06:52:00 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [1] => WP_Post Object ( [ID] => 1578 [post_author] => 1 [post_date] => 2019-09-23 03:08:46 [post_date_gmt] => 2019-09-23 03:08:46 [post_content] => [vc_row][vc_column][/vc_column][/vc_row] [post_title] => Estate planning guide [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => estate-planning-guide [to_ping] => [pinged] => [post_modified] => 2019-10-15 06:51:37 [post_modified_gmt] => 2019-10-15 06:51:37 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [2] => WP_Post Object ( [ID] => 1605 [post_author] => 1 [post_date] => 2019-09-23 05:43:00 [post_date_gmt] => 2019-09-23 05:43:00 [post_content] => [vc_row][vc_column][/vc_column][/vc_row] [post_title] => Is an SMSF right for you? [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => is-an-smsf-right-for-you [to_ping] => [pinged] => [post_modified] => 2019-10-15 06:51:11 [post_modified_gmt] => 2019-10-15 06:51:11 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [3] => WP_Post Object ( [ID] => 1608 [post_author] => 1 [post_date] => 2019-09-23 05:56:30 [post_date_gmt] => 2019-09-23 05:56:30 [post_content] => [vc_row][vc_column][/vc_column][/vc_row] [post_title] => Key financial considerations for small business owners [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => key-financial-considerations-for-small-business-owners [to_ping] => [pinged] => [post_modified] => 2019-10-15 06:50:39 [post_modified_gmt] => 2019-10-15 06:50:39 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [4] => WP_Post Object ( [ID] => 1613 [post_author] => 1 [post_date] => 2019-09-23 06:00:03 [post_date_gmt] => 2019-09-23 06:00:03 [post_content] => [vc_row][vc_column][/vc_column][/vc_row] [post_title] => Retirement Planning Checklist [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => retirement-planning-checklist [to_ping] => [pinged] => [post_modified] => 2019-10-15 06:50:13 [post_modified_gmt] => 2019-10-15 06:50:13 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [5] => WP_Post Object ( [ID] => 1619 [post_author] => 1 [post_date] => 2019-09-23 06:09:03 [post_date_gmt] => 2019-09-23 06:09:03 [post_content] => [vc_row][vc_column][/vc_column][/vc_row] [post_title] => Retirement Planning ebook [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => retirement-planning-ebook [to_ping] => [pinged] => [post_modified] => 2019-10-15 06:49:48 [post_modified_gmt] => 2019-10-15 06:49:48 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [6] => WP_Post Object ( [ID] => 1916 [post_author] => 1 [post_date] => 2019-11-19 23:52:22 [post_date_gmt] => 2019-11-19 23:52:22 [post_content] =>
    • Australian interest rates were lowered by 0.25% to 0.75% in October but left unchanged in November. Most observers expect borrowing costs to be lowered further in the next few months.
    • The latest reading of Australian consumer confidence fell unexpectedly sharply. This was a little surprising given generally buoyant labour market conditions and declining mortgage costs.
    • There has also been further evidence of an improvement in the Australian housing market. The latest survey suggested prices added 1.4% in October; the third consecutive month where prices rose by more than 1%.
    United States
    • The Federal Funds rate was lowered for the third time in as many months, as US officials responded to deteriorating economic indicators. The 0.25% cut had been widely anticipated by investors.
    • The latest US manufacturing data was dismal, missing all expectations and falling to a three-year low. The downturn has been blamed on the trade conflict with China.
    • Worryingly, weakness in the manufacturing sector appears to be spreading to services sectors. The latest gauge suggested activity levels declined to a three-year low during September.
    • All that said, the slowdown in the overall economy was less bad than feared. US GDP rose at an annual pace of 1.9% in the September quarter, above consensus expectations.
    • September employment numbers were slightly below expectations, but data for the prior month were revised higher. This resulted in the official unemployment rate falling to 3.5%, the lowest level in more than 50 years.
    • Following three consecutive months of modest increases, US inflation was unchanged in September. Importantly, inflation is below the Federal Reserve’s target, suggesting policymakers have room to lower interest rates again, if required.
    • Consumer confidence in Europe has deteriorated to its lowest level this year.
    • The survey of economic expectations in Germany was less bad than had been anticipated, but still below zero (indicating expectations of economic contraction) for a sixth consecutive month.
    • Germany’s trade surplus fell sharply in August, primarily reflecting lower exports.
    • In the UK, the Brexit process was delayed yet again. European leaders agreed to a further three-month delay in the UK’s proposed withdrawal from the European Union, extending the deadline to 31 January 2020.
    • Subsequently, Members of Parliament voted to hold a general election in the UK on 12 December, effectively placing the fate of Brexit in the hands of the British public.
    New Zealand
    • The value of exports was higher than expected in September, which supported New Zealand’s trade balance. Imports were little changed from the prior month.
    • Consumer confidence rebounded from very subdued levels – September’s reading was the worst in more than four years.
    • The RBNZ did not meet and interest rates were unchanged.
    • Annual GDP growth in China remained at 6.4% in the March quarter, aided by the Government’s pro-growth policies. These supported consumer demand, which helped offset the impact of ongoing tariff-related trade disruptions. Retail sales were 8.7% higher than in the corresponding period a year ago.
    • In Japan, there was an uptick in inflation as food and transport costs stabilised. This is unlikely to be sufficient for the Bank of Japan to abandon its zero interest rate policy.
    Australian dollar The Australian dollar appreciated to a three-month high against the US dollar, reflecting optimism that a trade deal between the US and China might be close to being agreed. The local currency added 2.1% against the US dollar, closing the month of October at 68.9 US cents. The ‘Aussie’ appreciated on other exchanges too, adding 1.4% against a trade-weighted basket of international currencies. Commodities Commodity prices were mostly higher during October, amid easing trade tensions between the US and China. Most industrial metals posted gains, including zinc (+8.1%), aluminium (+2.9%), copper (+2.5%) and lead (+2.2%). Nickel (-6.2%) was a notable exception, falling amid policy uncertainty around Indonesia’s proposed nickel ore export ban. Iron ore (-10.5%) fell sharply, primarily on an improving supply outlook. Brazilian mining giant Vale continued to bring production back online following severe supply disruptions earlier in the year. Precious metals were mostly higher, including gold (+0.5%), silver (+3.1%) and platinum (+5.0%). Oil (Brent +2.8%) finished higher, as progress appeared to be made towards a resolution of the US/China trade war. Australian equities The Australian share market started October with its worst weekly return in nearly a year. Reinvigorated fears of a weakening global economy, disappointing manufacturing data and ongoing Brexit uncertainty weighed on the index. The market since recovered, as Australian shares followed global peers higher following some reasonably solid corporate earnings numbers in the US. In the month as a whole, the S&P/ASX 100 Accumulation Index declined -0.4%. Small companies (-0.5%) once again underperformed their large cap peers, extending their underperformance to -2.9% in 2019 to date. The S&P/ASX Small Ordinaries Accumulation Index was dragged lower by the drastic decline in Southern Cross Media (-33.6%) following a quarterly update that showed revenues had slumped -8.5%. Listed property Global listed property was up modestly in October. The FTSE EPRA/NAREIT Developed Index returned 0.4% in AUD terms, performing in line with the broader global equity market. The UK was the best performing property market (+5.0%) for the second consecutive month as the perceived likelihood of a ‘no deal’ Brexit continued to wane. In Australia, AREITs returned 1.2% for the month, with the Diversified (+1.9%) and Industrial (+1.5%) sub-sectors leading the charge. Global equities Global equities maintained their upward momentum from September. Investors were heartened by the announcement of a “limited trade deal” between the US and China and a reasonably solid corporate earnings reporting season in the US. Together, these positive influences powered the S&P 500 Index in the US to new all-time highs. The MSCI World Index jumped 1.9% in local currency terms in October, also to a new high, although Australian dollar strength reduced the equivalent returns to just 0.4% for Australian-based investors. The Japanese Nikkei jumped over 5.0% in local currency terms and was the strongest market for a second consecutive month. UK shares struggled with the ongoing Brexit shenanigans. Having been down as much as -4.4% in local currency terms, the FTSE recovered to be down just -1.9% by month-end as the probability of a ‘hard Brexit’ dissipated. The improved trade outlook helped emerging markets to outperform developed markets for the first time since January. The MSCI Emerging Markets Index rose 2.0% in AUD terms, led by particularly strong returns from Russian stocks. Global and Australian Fixed Interest Government bond yields rose for a second consecutive month, resulting in negative returns from most fixed income markets. While economic data remained reasonably downbeat, hopes of a possible partial resolution to the US/China trade standoff saw yields edge higher. Bond market participants appear to be thinking that we have likely already seen most of the likely interest rate cuts worldwide and that further moves could be some time away. In the US, 10-year Treasury yields closed the month just 3 bps higher, at 1.69%, but there were larger moves elsewhere. Yields rose 16 bps and 14 bps in Germany and the UK respectively, for example, and by 8 bps in Japan. Ten-year Australian government bond yields closed October 12 bps higher, at 1.14%, despite the Reserve Bank of Australia’s interest rate cut at the beginning of the month. Global credit Corporate bonds eked out modest gains in October, partly reflecting ongoing strong inflows into the asset class and a limited amount of new issuance. Overall, investors seemed comfortable with September quarter earnings reported by US firms. Manufacturing-related businesses continue to face headwinds. Encouragingly, however, demand among US consumers for goods and services appears to remain intact.
    Source: Colonial First State
    [post_title] => Market and Economic overview [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => market-and-economic-overview [to_ping] => [pinged] => [post_modified] => 2019-11-19 23:53:39 [post_modified_gmt] => 2019-11-19 23:53:39 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [7] => WP_Post Object ( [ID] => 1920 [post_author] => 1 [post_date] => 2019-11-19 23:54:38 [post_date_gmt] => 2019-11-19 23:54:38 [post_content] => A fulfilling retirement isn’t just about money, it’s about staying healthy, active and connected. So much of preparing for retirement is about the dollars and cents:
    • Working out whether a transition to retirement strategy works for you.
    • Deciding which type of income stream is appropriate to deliver the right balance between income and capital gain.
    • Making sure that you structure your finances to receive any government benefit that’s due.
    Hopefully if you get the numbers right it means you wake up on day one of your retirement fully prepared to meet the financial challenges. But enjoying a fulfilling retirement isn’t just about money. It’s also about facing up to new social, physical and emotional challenges. If you don’t think about cultivating a healthy body, healthy mind and healthy social network then all your good work may come to nothing. Fortunately, there are plenty of ways to energise your daily life once you’ve left the workforce for good. Get active! Walking, jogging, swimming, cycling…whatever your preference it’s great to get out there and shake off the cobwebs of a long career. If you haven’t exercised for a while, start with a modest target and work your way up. And if you’re already a MAMIL or gym bunny, set yourself a new target or event to train for. Help others! You’ve got a lifetime of experience so why not use your skills. If you were a project manager, admin guru or design whizz in your previous life, then by helping others you’ll be helping yourself feel more connected. Learn something new! There’s no better way to get the brain cells working than to learn a new task. Whether it’s conversational Spanish, spinning a pot or kayaking in the bay, you’ll be firing up the synapses and keeping your cognitive skills ticking over. And you’ll be meeting like-minded new friends to keep you on your toes. See the world! The kids have flown the coop, the mortgage is paid off or substantially reduced and you suddenly have heaps of free time. So what are you waiting for? Now’s your chance to head off on that trip of a lifetime. It doesn’t matter whether it involves cruising along the Rhine enjoying a cold glass of local Riesling as another majestic fairy tale castle comes into view or zigzagging up the east coast in your campervan on the grey nomad trail, you’ve now got the time to realise your travel dreams. Go back to work! Seems crazy? More work after a lifetime of work? Maybe…but take a moment to think it through. It can be difficult to adjust after making a clean break between the world of work and the world of retirement. One day you’re surrounded by the support network of colleagues, valued for your expertise and experience, and the next you’re sitting at home wondering what to do. One answer is to keep your hand in at work. Whether it’s a day or two a week as a consultant in your old profession or something completely new in a local business, it can be hugely satisfying to keep working on your terms, not to mention beneficial to your hip pocket. Be spontaneous! Don’t plan everything to the final degree. Remember when you went on that road trip across Tassie back in the day? Every morning you’d get up and decide what you’d do. Go for a swim. Cast your line to catch something for the BBQ. Head off on a bushwalk. Or simply pack up your things and drive up the coast. For a long time you’ve been at the beck and call of work hours, kids’ activities, mortgage repayments. Everything’s been super planned down to the finest detail. Now you’re free, why not go free range and do something different, whether it’s adopting a new pet or volunteering at the local op shop. So whatever your retirement plan, it’s a good idea to go beyond the spreadsheet and think more broadly about what makes up a comfortable retirement.
    Source: AMP
    [post_title] => 6 ways to stay well in retirement [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => 6-ways-to-stay-well-in-retirement [to_ping] => [pinged] => [post_modified] => 2019-11-19 23:56:03 [post_modified_gmt] => 2019-11-19 23:56:03 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) [8] => WP_Post Object ( [ID] => 1923 [post_author] => 1 [post_date] => 2019-11-19 23:57:21 [post_date_gmt] => 2019-11-19 23:57:21 [post_content] =>
    What is your most financially valuable asset? The answer to this question could be quite different depending on your age. A younger person may say their car or a possession, such as a musical instrument, is their most valuable asset. As people age their home or super is likely to be what they consider most valuable. However, while these answers seem sensible, the real answer is your capacity to earn an income. ‘This ability likely outweighs the value of any other financial assets you have. Example: Alex, an engineer, is age 40 and owns a car worth $45,000, a home worth $750,000, and his super accumulation balance is around $250,000. Alex earns an income of $100,000 per year. If Alex plans to retire at age 65, he has 25 years of his working life left. Based on this, Alex should earn $2.5 million in income between now and the time he retires – not including any salary increases he may receive. Despite his earning potential being so high, Alex has never considered it an asset. And, while he wouldn’t leave his $45,000 car uninsured and would never let his home insurance for his $750,000 home lapse, he has never considered the impact of losing his future earning capacity. What are the risks? The sudden loss of your income could occur due to a major illness or injury which could leave you incapacitated for an extended period, or even unable to ever return to work. The consequences if the unexpected does happen means that everything you’ve worked for, the security of your family, your home, lifestyle and your ability to save for retirement will suddenly be at risk. Life, total and permanent disability cover and income protection insurance can help you retain financial security and replace your income earning potential by providing a lump sum and/or regular income if adversity strikes. Think it won’t happen to you? Think again You may think the unthinkable will never happen to you but did you know:
    • In Australia, a person suffers a stroke every nine minutes and there are an estimated 475,000 stroke survivors living in our communities.
    • An estimated 145,000 new cases of cancer will be diagnosed in Australia this year, with that number likely to rise to 150,000 in 2020.
    • Almost half a million people are hospitalised each year as a result of injury, and a further 12,000 people die due to injury.
    • 43,477 deaths were attributed to cardiovascular disease in Australia in 2017 and kills one Australian every 12 minutes.
    That’s why it’s important to protect your most important asset, you. How much insurance do you need? The amount of insurance cover you need depends on your individual circumstances. Factors that should be considered include:
    • your age
    • how much debt you have
    • your income
    • how many dependent children you have
    It will also differ depending on your specific circumstances, such as your health or pastimes. Topping up your cover You can customise your insurance to suit your circumstances at any time. Some of the reasons you may want to apply to increase your cover, include:
    • you marry or divorce
    • the birth or adoption of your child
    • your dependent child starts secondary school
    • you take out a mortgage to purchase or renovate your home
    • you can also apply to increase your income protection cover if you have a salary increase
    Put simply, protecting your greatest asset – your ability to earn an income – just makes good sense.
    Source: IOOF
    [post_title] => Putting a value on your potential [post_excerpt] => [post_status] => publish [comment_status] => open [ping_status] => open [post_password] => [post_name] => putting-a-value-on-your-potential [to_ping] => [pinged] => [post_modified] => 2019-11-20 00:06:56 [post_modified_gmt] => 2019-11-20 00:06:56 [post_content_filtered] => [post_parent] => 0 [guid] => [menu_order] => 0 [post_type] => post [post_mime_type] => [comment_count] => 0 [filter] => raw ) )
  • Introduction to Investing eBook
  • Estate planning guide
  • Is an SMSF right for you?
  • Key financial considerations for small business owners
  • Retirement Planning Checklist
  • Retirement Planning ebook
  • Market and Economic overview
  • 6 ways to stay well in retirement
  • Putting a value on your potential