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Statistical Fallacy

When the math adds up, the numbers never lie. They're infallible, concrete, impossible to argue with -- however you want to spin it… It turns out that even innocent statistics can be twisted to support any nefarious thing you want to prove. The charts below show the exact same data, however the Y axis has been manipulated to downplay or emphasise weakness in the AUD since last year. Is it more dangerous to drive in NSW or the Northern [...]

2019-10-03T04:50:31+00:00August 19th, 2019|More than just Finance, Quick Tips, The View|

Good People Doing Bad Things – How Did We End Up Here?

It is a story that has made news headlines the world over. A story about culture and greed impairing the judgement of people who should have known better. While both sides of politics have been very vocal in the wake of Hayne’s interim report, no one has touched the vexed question of how did we end up here?   The impact on the victims has been devastating. The behaviour of the financial services community despicable and unforgivable. The viewing has been [...]

2018-10-23T00:36:31+00:00October 15th, 2018|Economy, FinSec Post, Media, More than just Finance, The View|

Tread Lightly, Collaboratively Post Banking Royal Commission

Reverberations will continue to be felt across the mahogany boardrooms and expansive top-floor executives suites of Australia’s admonished banking and financial services giants, as the royal commission claims more scalps while others jump the proverbial ship. The revelations exposed by the royal commission have been nothing short of appalling. As members of the profession – and as people who are proud to call themselves financial advisers – We find it jarring and disappointing that these are the circumstances in which the [...]

2018-07-20T01:24:36+00:00June 20th, 2018|Finance, FinSec Post, Investment, Media, More than just Finance, The View|

Volatility strikes back. Is this the start of a bear market?

After an exceptionally strong year in markets, volatility has struck back in recent days. At the time of this writing, the S&P 500® Index has fallen roughly 10% from its record close on Jan 26.1 The Australian equity market has seen falls of smaller magnitude, given it did not participate to the upside through most of 2017 and January of this year. Nevertheless, the age-old adage of the US sneezing remains, and sustained volatility in the US is likely to weigh on our [...]

2018-02-08T03:45:31+00:00February 8th, 2018|FinSec Post, The View|

Yes, Virginia, There is a Banking Royal Commission – Unfortunately

In a matter of days, Santa will be putting the finishing touches on his “Naughty” and “Nice” lists and it remains unclear on which side of the ledger the banks will sit. It’s an understatement, of course, to suggest the big four (CBA, Westpac, ANZ and NAB) won’t be expecting an outpouring of festive cheer and goodwill from their 17+ million customers this year. Despite holding around 2.5 trillion of our money, collectively – (and 80% of the nation’s loans) - [...]

Active Investment Success Relies on Finding a Top Personal “Trainer” to do the Heavy Lifting

A mate recently cancelled his gym membership at a popular city health club, citing lack of motivation, high monthly fees and a general malaise about “just not getting results’’. Out of interest, I asked him what his training regime looked like. A brisk walk on the treadmill, he confessed, followed by a quick sauna and an obligatory large iced-coffee (with cream and ice-cream) in the club lounge afterwards. Those stubborn kilos are still hanging on for dear life. Comparisons can be [...]

US Election 2016: Trump Wins. How Markets will React?

How Markets will React: A Short, Medium and Long Term View. Keeping an eye on the short term While there was a quick selloff at first signs of a conclusion to the U.S. elections, and markets seem to have recovered quickly, there still may be some near-term volatility. As with many geopolitical events that generate market swings, the first priority is to rationally evaluate your chosen investment strategy. Review your primary market indicators (we use cycle, value and sentiment), consult your [...]

2016-11-10T03:54:05+00:00November 10th, 2016|Economy, FinSec Post, Investment, The Verdict, The View|

2016/17 Federal Budget Report

Excerpt: 2016/17 FEDERAL BUDGET REPORT May 2016 For us, the big story out of Budget 2016 is of course Morrison’s crackdown on high-end super tax concessions. Ten years on from Costello’s tax-free super savings and now, on the other side of the resources boom, Morrison has redefined the purpose of super as a substitute or supplement to the welfare safety net of the aged pension, not a vehicle for wealth accumulation or bequests. Whilst we welcome the fairness measures and in [...]

2019-07-31T00:53:31+00:00May 26th, 2016|Economy, Federal Budget, The Story, The Verdict, The View|

2016 The Year of Volatility

Given the relentless media coverage of the issue, it will come as no surprise that markets have been in a state of volatility since the start of the year. This volatility comes off the back of the second half of 2015, seeing a 10% reduction in the value of the Australian market. So all in all, not a market that is causing investors to sleep without a tad of anxiety. Having mentioned the media, let's not forget that good news doesn't [...]

2016-02-29T05:02:56+00:00February 29th, 2016|Economy, FinSec Post, The Verdict, The View, Weekly Market Update|

Markets in free fall: How worried should you be?

Another terrible day on the ASX is unfolding  as tanking Chinese sharemarkets wipe out the past two years of gains (at 3.15pm (AEST) the S&P/ASX200 index was down 4 per cent cent to 5007, the biggest intraday drop since 2007). Is it a correction or something more serious? Whilst news headlines appear dominated by China, there are several themes that are driving the share market and will set the agenda for markets in coming weeks First the timing of the US [...]

2015-08-24T06:26:41+00:00August 24th, 2015|FinSec Post, The View|