Review of 2018, outlook for 2019 Key points 2018 saw reasonable global economic and profit growth and still low interest rates but it has been a rough year for investors with worries about the Fed, trade wars and global growth causing volatility and poor returns. 2019 is unlikely to see the plunge into recession many […]

What’s next for Brexit? A ‘black swan’ refers to an event or occurrence that deviates beyond what is normally expected of a situation and is extremely difficult to predict. Brexit arguably is a ‘black swan’ that, paradoxically, has taken years to unfold. Despite this, we still do not know what the effects of Brexit will […]

Over 65 but not yet ready to retire? The days of retiring as soon as you can get an age pension may well be over. With Australians living longer and healthier lives than ever before, many seniors are choosing to stay in the workforce. In fact, around 13% of Australians aged 65 or over are […]

Make sure your super goes to your loved ones While a Will states how you would like your hard-earned assets to be distributed, it doesn’t automatically include your super. That’s because, unlike directly owned property or shares, super doesn’t necessarily form a part of your estate. The super fund trustee will distribute it in accordance […]

How close are we to a cashless society? With tap and go payments becoming ever more popular and the advent of instant transfers between domestic bank accounts, how much longer will we be using cash as a form of payment? According to recent survey results produced by You Gov Galaxy and commissioned by payments provider […]

Getting personal insurance right With recent media coverage about insurance sales tactics, many Australians might be concerned they’re being sold personal insurance policies – life, total and permanent disablement (TPD) and income protection – they don’t really need. The fact that some Australians with multiple super accounts are likely to have duplicate personal insurance policies, […]

Successful investing despite 115 million worries and Truth Decay It may seem that the worry list for investors is bigger and more confusing than ever before. Some of this may relate to US President Trump’s disruptive and “open mouth” approach as highlighted by the “trade war” and his frequent and sometimes contradictory tweets. For example, […]

Investing in ETFs An ETF is an investment fund that holds a basket of securities – such as shares or bonds that tracks a specified index – and is itself a listed share, traded on a stock exchange. ETFs are low-cost, simple vehicles that can offer exposure to a wide range of Australian and global […]

Market and Economic overview Australia CPI rose 0.4% in the September, but the annual pace of Australian inflation has slowed to 1.9%. This reduces the likelihood of policy tightening by the Reserve Bank of Australia. For now, official interest rates remain at 1.50%, where they have been for more than two years. Australian unemployment declined […]

It’s understandable that the recent sharp sell-off on financial markets has left investors feeling particularly nervous. The main concern has been the US Federal Reserve’s shift in monetary policy from low rates and printing money to rising rates and the withdrawal of that printing policy. But there’s also a lengthy worry list of issues that […]