News & Articles

Are You Emotionally Intelligent?

When Emotional Intelligence (EQ) first appeared to the masses, it served as the missing link in a peculiar finding.people with average EQs outperform those with the highest IQs 70% of the timeThis anomaly confused the broadly held assumption that IQ was the sole source of success.ecades of research now point to emotional intelligence as being the critical factor that sets star performers apart from the rest of the pack. The connection is so stron..... Read more

Budget 2015

What it means for you13 May 2015The Treasurer's ‘no surprises’ Federal Budget involves limited superannuation and taxation changes, with a number of key measures having been announced prior to Budget night. Of note is the Government’s announcement that it will reform a number of family assistance measures, as well as the means test for the Age Pension.Below is a summary of key announcements that may affect you from a financial advice perspective...... Read more

Living in a Modern World

Life doesn't get better by chance – it gets better by change. Economic Revolution We are living through a new economic revolution. The first revolution occurred in the Middle East about 12,000 years ago, after the last Ice Age, and it gave us farming. Instead of the usual question 'where do we find water?' someone asked 'how can we make water come to us?' and thus irrigation began. Nomadic people were able to stay and settle on the land. The seco..... Read more

Maintain or Reduce Cash Holdings?

Australian interest rates seem likely to fall further this year. Does this mean investors should reduce their asset allocation to cash and fixed income? Falling Interest Rates In February, the Reserve Bank of Australia cut the cash rate by 25bps. In doing so, they shifted people's expectations about the future path of interest rates, which are now expected to fall further and remain lower for longer. Indeed, many other central banks have unexpect..... Read more

Housing Market Snapshot

Housing Market Performance As has been the case historically, there is a significant amount of variance in performance across the nation’s capital city housing markets, with Sydney (5.8%) the key driver of value growth so far this year. In fact, only Melbourne (3.5%), Hobart (0.9%), Darwin (0.4%), and Canberra (4.1%) have recorded value growth so far this year. Values have fallen over the first quarter of 2015 in: Brisbane: 0.5% Adelaide: 0.9% ..... Read more

Rock Bottom Dollar

Has the Australian dollar hit rock bottom?Over the past several years the Australian dollar has depreciated sharply against many other currencies. By mid-March, the A$ was down almost 30% from it's 2011 peak against the US$, and down by almost 20% against a trade-weighted basket of currencies.The DriversOur view on the Australian dollar outlook is based on the observation that the two biggest drivers since the GFC have been commodity prices and i..... Read more

​Why you need a family trust

When it comes to protecting your wealth, there are few vehicles that can rival the family trust. From a tax perspective, a family trust can start delivering you more tax-free income.But while a lot of people go into setting up a family trust with tax minimisation as a motivator, tax savings are just the beginning when you consider the peace of mind family trusts have to offer.“What makes family trusts such attractive vehicles to hold assets in is..... Read more

Economic Update April 2015

Investment Markets The global economy in aggregate is ticking along, with positive economic growth against a backdrop of low inflation. The growth, though, is quite varied across the globe – the U.S. has been leading and China has been slowing down. Central banks have cut interest rates, including in Australia. Locally, not a lot has changed, with the Australian economy still growing albeit more slowly than usual. What is of concern is that valua..... Read more


The commodities boom made Australia the lucky country. But rising debt and a slump in Chinese demand for resources signal tough times ahead Down Under During the boom years of the so-called commodities “super cycle” China couldn’t buy enough of everything that Australia dug out of the ground. While the rest of the world suffered from the aftermath of the global financial crisis, Australia’s economy – closely tied to China – appeared impervious, w..... Read more

Low Cost Investment Funds

The equity markets continue to change. It used to be that investors would buy shares directly or place their money with a funds manager, who would select stocks on their behalf. However, within the past few years the rise of passive investing using exchange-traded 'index-tracking' funds has changed the flow of money in the sharemarket. Exchange traded funds (ETFs) are transparent, easy to use and cheap. They are bought and sold on the sharemarket..... Read more