Tag: Liberum Financial

Income Protection Liberum Financial

Have you got enough?

June 9, 2017

According to a recent research by an online comparison website, just 43% of Australians hold income protection. Significantly, more than half of those Australians who have a life insurance policy held within their superannuation believe it wouldn’t meet their family’s needs should the unexpected happen.

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Get your finances in order in 2017

February 6, 2017

Setting aside time to regularly review your finances is one of the easiest ways to keep your plans on track and work towards achieving your financial goals. Let’s see how you can take a look at your finances and make any necessary changes before the start of 2017. 

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The US election and investment markets, including implications for Australia

November 7, 2016

Key points

  • The smoothest outcome for investors from next Tuesday’s US election would be a Clinton victory but with the Republicans continuing to control the House of Representatives, ie, “more of the same”.
  • However, news of the FBI’s renewed examination of Clinton’s emails means the election outcome is back to being close. While some of Trump’s economic policies could provide a fiscal and supply side stimulus to the US economy, a Trump victory is likely to be initially negative for shares and favour safe havens like bonds and the US dollar as investors would fear his policies on trade in particular. This would be negative for Australian and Asian shares and for the growth sensitive $A.
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Dare to discover a brighter financial future

September 14, 2016

With life being so busy it can be very easy to ignore your long-term financial plans, but we can’t stress enough, planning conversations today should be done early to create room for your future dreams.

So how can you make the most out of your personal or business situation?

‘Dare to dream’ and plan for the future – here are a few things to consider. 

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Seven reasons for optimism on the Australian economy

August 30, 2016

Key points

  • The mostly gloomy debate around the Australian economy often gives the impression we are in a constant state of crisis.
  • But economic growth is pretty good, the economy has rebalanced without the (“inevitable”) recession, the worst of the mining bust looks to be behind us, public infrastructure spending is ramping up, consumer and business confidence are around long term averages, share market profits have likely bottomed and Australia stacks up well on social considerations.
  • These are all reasons to be reasonably optimistic about the Australian economy and Australian assets.
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Australia’s messy 2016 election

July 6, 2016
  • The Australian Federal election has delivered a messy result suggesting an even more difficult Senate for the Coalition if it is able to form government and the risk of return to minority government.
  • The risk is that we will see a further slippage in the budget outlook – with a downgrade in Australia’s AAA sovereign rating looking increasingly likely – and that significant economic reform will remain off the agenda. This is dampener for long term economic growth and share market returns.
  • That said, it’s not a disaster as the period of true minority government over 2010-13 saw the economy continue to grow and it’s not unusual for Australian governments to face a difficult Senate.
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Brexit – what does it all mean for you?

June 26, 2016
  • Uncertainty around the outcome of Britain’s referendum on whether to Remain in or Leave the European Union has reached fever pitch.
  • While a victory for the Leave campaign will likely see more volatility, the global economic consequences have likely been exaggerated.
  • A Leave victory is unlikely to have a major direct impact on Australia but could have an indirect bearing via financial market volatility.
  • The key for investors is to look for opportunities that such volatility throws up.
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Super-size your savings for retirement

June 14, 2016

While the rules and legislation associated with superannuation may change from time to time, it is still among the most effective retirement strategies, and for many Australians superannuation is their main form of retirement income. 

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The value of having a financial adviser

May 30, 2016

Having an appropriate financial plan in place covers more than just investments and insurance. The same goes for a financial adviser – there are some you will just click with.

Here we provide some ideas on finding one that you feel comfortable with, who can help you improve your financial future.

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