Volatility: A sleeping giant

Volatility: A sleeping giant Market volatility has been like the Incredible Hulk in 2018; a good-tempered scientist one minute, and a giant raging monster the next. We first saw the scientist turn into the monster during the spectacular February market swoon. What followed were eight months of relative calm in which the mild-mannered scientist returned, luring investors back into the market, and into US equities in particular. But as the monster re-emerged in October, the …

Five factors for nervous investors

Five factors for nervous investors You wanted shares to buy last year but didn’t get around to it, then prices rose and so you were waiting until prices fell, but now that they have fallen you are worried they will fall further. I have good news and bad news for you. The bad news is as a ‘Nervous Investor’, you will never find a perfect time to invest, when everyone agrees markets are going to …

First dollars out of the wallet

First dollars out of the wallet Falling house prices and rising debt costs are causing financial stress for highly leveraged Australian home owners, impacting patterns of consumer spending. In light of this wallet tightening, investors should take care that their equity exposure is concentrated on those businesses capturing the first dollars out of the wallet each pay day. Where did all the wealth come from? During the upwards phase of the economic cycle, Australians took …

Weekly Market Update 16 November 2018

Weekly Market Update 16 November 2018 Investment markets and key developments over the past week “Risk off” returned with a vengeance to financial markets over the last week with most share market falling and bond yields declining as last month’s worries returned, tech stocks came under renewed and the continuing plunge in the oil price weighed on energy shares. Australian shares have almost fallen back to their October low with financial shares under renewed pressure. Chinese …

How to invest in property without actually buying one

How to invest in property without actually buying one You don’t have to be a landlord, deal with tenants or put a deposit down on a home to get your foot in the property market. While investing in property may be a dream of yours, saving for a deposit, dealing with tenants and paying off a mortgage mightn’t be. The good news is there are opportunities where you can invest in property without actually buying one, with …

13 commonsense tips to help manage your finances

13 commonsense tips to help manage your finances   Key points Getting your personal finances right can be a challenge. Here are 13 tips that may be of use: shop around when it comes to financial services; don’t take on too much debt; allow that interest rates can go up as well as down; allow for rainy days; credit cards are great but they deserve respect; use your mortgage (if you can) for all longer …

The super split

The super split By the time you retire your super may be one of your biggest assets. So when it comes to a divorce, it’s a very important part of a financial settlement. Find out from legal and financial experts what you need to know, and what to keep in mind when it comes to super and separating your family finances. Splitting your financial assets during divorce is often a complex and difficult process. In …

Who calls the money shots in your relationship?

Who calls the money shots in your relationship? When it comes to all things money, how are decisions reached in your relationship? Is everything up for discussion or do you each take the lead on different financial matters? The recent UBS Own Your Worth report based on a survey of 1700 married couples in the US revealed some interesting findings about who takes charge in money matters. 88% of women in same-sex couples and 90% of women …

Responsible Investment Leaders – Engagement Report 2018

Responsible Investment Leaders – Engagement Report 2018 This report provides a snapshot of the work the Responsible Investment Leaders (RIL) funds have been doing on your behalf to make a difference. We cover the big issues of 2017 and showcase some of the assets the RIL funds have supported to make the world a better place – our investments in community infrastructure, sustainable forestry, clean tech and renewables are just as exciting as the engagement …

Scaling down to retirement – tips and tricks

Scaling down to retirement – tips and tricks If you were scaling down to retirement, what would it mean to you? Would you draw a line in the sand where one day you’re working full-time and the next day a whole new world of recreation opens up to you? Or would you gradually reduce paid work and swap it for travel, hobbies, looking after the grandchildren or other things? I was speaking to a good …