Investors usually have mixed feelings about cash. In bull markets, cash is shunned whereas in volatile bear markets, when equities and bond prices are falling, it can be looked on as a safe heaven and ready liquidity. Attempting to successfully time your re-entry into markets can be challenging even for professional fund managers. Fund managers…

Building a bridge to recovery In what has been billed as one of the most important budgets since the Great Depression, and the first since the onset of the COVID-19 pandemic dragged Australia into its first recession in almost 30 years, Treasurer Josh Frydenberg said the next phase of the journey is to secure Australia’s…

After a year when even the best laid plans may have changed due to COVID-19, people who were planning to retire soon are reviewing their plans. Whatever your circumstances, a financial review may be required to get your retirement plans in order. You may even find you’re in better financial shape than anticipated, but you…

Self-managed super funds (SMSFs) have had a challenging year, with COVID-19 linked market uncertainty affecting income and returns. But SMSF trustees haven’t been sitting on their hands. One of the main reasons people give for wanting to establish an SMSF is to have greater control of their investments and taking control of a difficult situation…

The start of the financial year is always an excellent time to take stock of your current situation and visualise where you’d like to be in the future. It’s fair to say this year hasn’t been ‘business as usual’! While no-one could have predicted the first six months of 2020, nor want to repeat them,…

With many people now working from home because of COVID-19, some of the expenses your employer normally pays – such as electricity, heating and cooling – are now coming out of your wallet. Although some employers may provide a daily allowance to help with these additional costs, if you’re not receiving anything it’s important to…

Many Australians love sport, and as a result, we can be a bit obsessed with “averages”. Perhaps the most famous average of all is likely to be Don Bradman’s Test batting average of 99.94. For example, did you know that the mailing address for the ABC in each state is GPO Box 9994, which was…

It was a year of extremes, with shares hitting record highs and interest rates at historic lows. Yet all in all, 2019 delivered far better returns than Australian investors anticipated at the start of the year. The total return from Australian shares (capital growth and dividend income) was 24 per cent in the year to…

In the short term the market presents a world of worries, but with a well-diversified portfolio you can put your feet up and let time take care of the rest. What a difference a year makes. In recent months, Australian shares hit a record high, the Aussie dollar dipped to levels not seen since the…

In my initial meeting with a client I regularly ask the question, “what is your biggest financial asset?”. 9 out of 10 clients will answer “my house”, or if they don’t have a house, their answer will be “my car”. I then complete a quick calculation on the whiteboard with them: current salary multiplied by…

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