Review of 2018, outlook for 2019 – another cycle extension

January 10, 2019

Shane Oliver, Head of Investment Strategy and Chief Economist. The attached note provides a review of 2018 and what it meant for investors and takes a look at the outlook for 2019. The key points are as follows: 2018 saw reasonable global economic and profit growth and still low interest rates but it has been […]

Mini-Retirement – A modern day solution that lets us have our cake and eat it too!

January 10, 2019

Retirement may still be a while off, with the increasing cost of living, affordability and qualifying age shifting further away. What’s more, many resent the idea of working hard for years on end, to save for their ‘golden days’ which may not be as golden as hoped, as health and other physical limitations can prevent […]

Tis the season to be spending – or is it?

December 5, 2018

It’s so easy to get caught up in the consumer frenzy that takes hold during the season of good cheer, with the average Australian planning to spend $955 over the holiday season, according to ASIC’s Money Smart. A new movement of conscious giving is beginning to gain popularity – and for good reason. As depressing […]

Money can buy you happiness, you’re just spending it wrong

December 5, 2018

This is the view of Dr Michael Norton from Harvard Business School. Michael’s research indicates that money can indeed make you happy if you use it to buy experiences, time, or invest in others. Buying experiences – when we buy experiences, we don’t just buy the duration of that experience. Michael’s team’s research found that […]

If you’ve always thought property prices only go up…

November 22, 2018

It may be time to reconsider some myths about property investment. With so much emphasis on property in the media, it can be difficult to sort fact from fiction. But before investing in any type of asset—including property—it pays to consider the pros and cons, and any commonly held misconceptions. Here we bust 3 property […]

A debt free Christmas… Ha ha Ho

November 22, 2018

The Christmas trees and tinsel have been up for a while now at local shopping centres and villages. Combine the tinsel and alluring shopping strips with our best intentions to give our family a great Christmas experience and we get: Spending – and lots of it! As kids, it was all about receiving gifts and […]

Getting to Know Yenuk Watapuluwa

November 13, 2018

Testimonial – Yenuk Watapuluwa Yenuk, what is the meaning of your name? The meaning of my name is “youthful.” My Grandpa named me. It is a very unique name and uncommon in Sri Lanka, where I was born.  I believe Grandpa knew me well before I was born, because the name fits me perfectly. You […]

Smart financial moves for the time poor

September 28, 2018

When was the last time you had a few hours spare – amid work, family, personal and social commitments?  For many, having the time to sit down regularly and look over their financials is a luxury they simply can’t afford. According to a recent study undertaken by Financial Mindfulness, 1 in 3 Australians suffer from […]

Premiums for Life and Disability Insurance

September 27, 2018

As we age, our life and disability insurance premiums increase due to the risks associated with getting older. This is especially true after age 50, particularly for Trauma and Income Protection cover, as we see an increasing diagnosis of various cancers and heart disease in this age bracket. In some cases, it is possible to […]

Red Tape

September 21, 2018

We have recently had to introduce new or revised processes for a number of issues.  Most of these are driven by new or changed regulations, legislation or ASIC (Australian Securities and Investment Commission) procedural requirements.  Some of the newer pieces of ‘Red Tape’ are summarised below; 1. Identification Records Client Photo ID must be certified […]