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17October 2019

She’ll be right mate… Why the Aussie way is causing an underinsurance epidemic

October 17th, 2019|Estate Planning, Insurance, More than just Finance|

Improving the financial outlook for the family is the key driver for the majority of Australians – Most will commit blood, sweat and tears to this very endeavour. Yet, the majority fail to adequately protect the legacy we try so hard to build. Why? Australians see themselves as ‘bulletproof'. Of course such faith that ‘she’ll be right mate’ belies that fact that illness and injury strikes thousands of Australians everyday. In 2017/18 there were over 777,000 hospitalisations due to injury or poisoning. This year alone [...]

11October 2019

Weekly Market Update – 11th October 2019

October 11th, 2019|Weekly Market Update|

Investment markets and key developments over the past week It's been a good news week on the geopolitical front with the outlines of a mini-trade deal between the US and China and signs of progress on Brexit. Share markets were whipsawed through the early part of the week on conflicting reports regarding prospects for the latest US/China trade talks but then rallied sharply as a deal came into view. This saw US shares rise 0.6% for the week, Eurozone shares gain 1.8%, Japanese shares rise 1.8% [...]

8October 2019

Weekly Market Update – 8th October 2019

October 8th, 2019|Weekly Market Update|

Investment markets and key developments over the past week Global share markets fell again over the last week on the back of increasing concerns about US and global growth after another fall in the US manufacturing conditions ISM index. Although a good US jobs report provided a reprieve on Friday, US shares still fell 0.3% over the last week and Eurozone shares lost 2.5%. For the week Japanese shares lost 2.1% and the Chinese share market fell 1% albeit it was only open for one [...]

4October 2019

Risky Business

October 4th, 2019|Investment, More than just Finance|

Don’t confuse risk with volatility When talking about risk, many investors are actually talking about volatility – the usual ups and downs of investment markets. When the actual return from an investment is lower than expected, investors believe that they have lost money in a physical sense. But in fact they have only lost money ‘on paper’. It is only when they actually sell the investment at the wrong time (when returns are at their lowest) that they permanently lose money. When we talk about risk, [...]

3October 2019

Compare pears with pears, not apples

October 3rd, 2019|Superannuation|

Australia’s Industry Super Funds have been running the highly effective ‘compare the pair’ campaign for many years. However, Zenith (a leading research consulting firm) argue in a recent paper that ‘this comparison is not straightforward and is often misleading’. Zenith’s research focus on what constitutes a ‘Balanced’ Super Fund portfolio. They argue that most people’s definition of  ‘balanced’ is something like a 60/40 mix of Growth and Defensive assets. However, the so-called Balanced Option of Industry Super Fund, Host Plus, contains a staggering 93% exposure to [...]

27September 2019

Weekly Market Update – 27th September 2019

September 27th, 2019|Weekly Market Update|

Investment markets and key developments over the past week Share markets fell over the last week on the og back geopolitical concerns with Democrats opening an impeachment inquiry into President Trump, ongoing trade war uncertainties and more Brexit mayhem at the same time that global business conditions PMIs remained soft. Australian shares were dragged lower by the poor global lead with telcos and resources stocks down sharply but with real estate, IT and consumer discretionary stocks helping to limit the decline. Reflecting the risk off tone [...]

20September 2019

The business of YOU Inc – September 2019, SA Leaders Presentation

September 20th, 2019|Debt, Estate Planning, Insurance, Investment, Media, More than just Finance, Pre-Retirement Planning, Quick Tips, Retirement Planning, Superannuation|

In this video presentation, Managing Partner and SA Leaders 'Industry Expert' Andrew Creaser explores the concept of 'planning for success' with a broader goals-based approach to investment, risk and estate planning strategies.

16September 2019

Volatility: 10 key messages for investors

September 16th, 2019|Investment, Quick Tips|

Financial markets can be subject to periods of event-related volatility during which investor confidence can be significantly undermined. Here, we provide 10 key messages to help investors steer their portfolios through volatile times. 1. Volatility is a normal part of long-term investing From time to time, there is inevitably volatility in stock markets as investors react nervously to changes in the economic, political and corporate environment. Above all else, financial markets dislike uncertainty. Yet markets are also prone to over-react to events that cloud the [...]