Wealth Accumulation

Saving: Lessons to teach your kids

Saving: Lessons to teach your kids

One of the most important things you can teach your kids is how to manage their money as this will help them better face the challenges of adulthood. In our world of ever advancing technology, children often don’t see physical money being exchanged. In fact, some Scandinavian countries are even doing away with physical cash altogether...

Another Tech-Bubble?

Another Tech-Bubble?

A quick look at the valuations of the so called FAANMG group of stocks – Facebook, Apple, Amazon, Net ix, Microsoft and Google – and it certainly feels like it we’re in a tech stocks bubble a-la the late 1990s.

But does that mean we’re going to see another tech-stock crash? 

Interest Rates: THE LONG UNWINDING ROAD

Interest Rates: THE LONG UNWINDING ROAD

The US Federal Reserve (Fed) has unveiled plans to start shrinking its balance sheet, which has more than quadrupled in size since the global financial crisis (GFC). The multi-year massive expansion of the Fed’s balance sheet has had a recognized powerful effect on asset markets—lowering yields and flattening the yield curve...(technical commentary)

Australian Share Market Rallies Past 6000

Australian Share Market Rallies Past 6000

The local sharemarket rose 1% today, taking the ASX200 and All Ordinaries Index well above the 6,000 threshold, heights we haven't seen in almost a decade...

Housing Boom Over

Housing Boom Over

Australia’s housing boom is “officially over,” with data showing prices now flatlining, UBS Group AG said. National house prices were unchanged in October from September, CoreLogic data released Wednesday showed. Annual price growth slowed to 7 percent last month from above 10 percent as recently as July, the data showed...

UNDER 40 & BROKE: THE NEED FOR FINANCIAL ADVICE

UNDER 40 & BROKE: THE NEED FOR FINANCIAL ADVICE

With increasing debt and falling home ownership among the under 40s, their financial prospects are less than rosy.  If this trend is set to continue, young people are going to be needing financial advice more than ever to help them make the best choices for a secure future...

Australian House Price Crash?

Australian House Price Crash?

A common narrative on the Australian housing market is that it’s in a giant speculative bubble propelled by tax breaks, low interest rates and “liar loans” that have led to massive mortgage stress and that it’s all about to go bust, bringing down the banks and the economy with it. Recent signs of price falls – notably in Sydney – have added interest to such a view...

Financial Advice Worth More Than It Costs

Financial Advice Worth More Than It Costs

A young family could be $240,000 better off at retirement if they receive financial advice, according to Sunsuper....

SHARING FINANCIAL WISDOM

SHARING FINANCIAL WISDOM

Money know-how can come from anyone, young or old. When it comes to financial wisdom, author and speaker Kylie Travers and actor and singer Charmaine Bingwa have taken their lead from the previous generation...

A Better Retirement

A Better Retirement

Today, with Australians living longer and healthier lives, the concept of retirement is much different to what it was only one generation ago. For each retiree, retirement is different.

Typically, there are four areas that need to be considered to help you better understand your retirement goals and objectives. These are...

Retirement: Life after work

Retirement: Life after work

Superannuation stumbling blocks

What’s stopping you from saving for a retirement you can really look forward to? Take a look at these four common barriers to saving more super and make a plan for having all your goals and financial priorities in order...

Interest rates: US Fed begins to tighten

Interest rates: US Fed begins to tighten

The US Federal Reserve provided few surprises following its September meeting. While it left interest rates on hold, it confirmed that it will begin what it calls “balance sheet normalisation” next month and continued to signal its expectation that it will raise interest rates again in December and in the years ahead...

Income & Dividends: The search for yield

Income & Dividends: The search for yield

For some time now, the investment world has been characterised by a search for decent yield paying investments. This “search for yield” actually started last decade but was interrupted by the Global Financial Crisis (GFC) and the Eurozone debt crisis before resuming again in earnest...

Investing: What is an index?

Investing: What is an index?

When people talk about the share market having gone up or down, what they are usually are referring to is an index. But what is an index and why is it important?

Insurance: Income Protection - Stay Ready

Insurance: Income Protection - Stay Ready

'Income Protection' - in the world of investing and financial planning, this is never a thrilling topic of conversation. I don't know how many times I've seen client's eyes begin to glaze over whenever I've broached the subject of income protection, or life insurance for that matter.

MORE GREAT INVESTMENT CHARTS

MORE GREAT INVESTMENT CHARTS

As Warren Buffett once said: “There seems to be a perverse human characteristic that makes easy things difficult.” This has particularly been the case with investing where complexity has multiplied with new products, new ways to access various investments, tax changes and new regulations, all with social media adding to the noise. But it’s really quite simple and this can be demonstrated in charts...

INTEREST RATES ON HOLD, GROWTH RETURNS...

INTEREST RATES ON HOLD, GROWTH RETURNS...

With spring traditionally a busy time for the real estate market and for rate moves, all eyes were on today’s Reserve Bank of Australia board meeting, where once again it was decided to leave the official cash rate unchanged...