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The 2016 Australian Federal Election and Investors

May 12, 2016

Historically election campaigns result in a period of uncertainty which have seen weak gains on average for the Australian share market followed by a bounce once the election is out of the way.
The starker choice at this election between smaller government, lower taxes and mild economic reform under the Coalition, and larger government, higher taxes and more intervention in the economy under Labor suggest greater uncertainty this time around.
To maintain decent growth in living standards Australia needs to see a return to a productivity enhancing reform agenda. It’s unclear this election will deliver that.

Key Man Insurance

February 23, 2016

Key man insurance, sometimes referred to as key person insurance, provides cover against business losses that may be incurred as a consequence of the prolonged absence or death of the business owner or a key member of staff.

The plunging oil price – why and what it means

February 2, 2016

Oil prices are down more than 70% from their levels two years ago driven by a combination of a surge in supply relative to demand and a rise in the value of the $US.
Further weakness down to $US20/barrel is possible, but we are getting closer to the point where supply slows.
So far the negative impact on oil producers has predominated but ultimately it will be positive for growth.
The fall in petrol prices is saving the average Australian household around $14 a week versus two years ago.

Essential Planning for Recovery from Redundancy

January 17, 2016

Ongoing economic uncertainty means that it’s still not uncommon to read a story about large or high profile businesses making staff redundant. The flow-on effects from tough economic times in the past are still being felt in many sectors of the economy. Redundancy remains an all-too-common possibility for employees of both large and small businesses.

SMSF Quick Tip

January 11, 2016

If you want more control over your retirement nest egg, this tip is for you …

Review your super and retirement needs and explore if a SMSF could be appropriate for you.

How financial planning works

January 7, 2016

Looking to plan for the future and want to get some financial advice – here is what to expect and how financial advice could help you to change your financial future.

Get set for the year ahead!

December 8, 2015

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.

Are you looking to retire in 2016?

December 3, 2015

We often find that it’s only as people near retirement that they really start thinking about their finances – especially when they start looking at everything that retirement offers, like making time for a hobby, more travel, volunteering projects or spending time with family.

If you are considering retiring or reducing your working hours in 2016 but are concerned about having enough money to retire on, it’s not too late to seek some professional advice to give you peace of mind.

The perils for investors of too much information in the app age

November 26, 2015

The more we are exposed to information about how our investments are performing, the greater the risk that we will be disappointed and at risk of making poor short term investment decisions.
The greater access to information around short term investment performance and the ever present worry list around investing via traditional media and increasingly from apps on our phones is likely accentuating this risk.
The key is to turn down the volume on financial news and find ways to filter it such that it doesn’t distort investment decisions.

Wealthy retirees to be hit hardest by the pension changes

November 18, 2015

Retirees and those nearing retirement with large superannuation balances and other assets and investments will likely be affected by new pension asset test changes, which passed Parliament on 22 June, 2015.

Liberum Financial, advise that under the new legislation, wealthy couples who own their own home and have over $823,000 in assets (not including the family home) will see their pension entitlements reduced or cut entirely.

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