News & Articles

Brexit Effect on Financial Markets

UncertaintyThe British referendum to quit the European Union sparked a wave of uncertainty on financial markets around the world and triggered a huge sell off of shares.For most of this year, international investors held an underweight position in UK equities as compared by the benchmarks against which they track their performance. Recently, the top-performing quartile of global funds had moved to a neutral & overweight positions.Prior to the..... Read more

Housing Market Performance Snapshot

Performance & Growth Looking at the change in home values over the first quarter of 2016, Brisbane and Perth were the only capital cities to record value falls, down 0.1% and 0.9% respectively. Over the past year, home values across the combined capital cities increased 6.4%, which is the slowest annual rate of value growth since September 2013. The annual rate of value growth is well below the most recent peak of 11.1% recorded over the 12 m..... Read more

Market Outlook 2015 update

World Economy The world economy will continue to demonstrate an uneven pattern, reflective of different policy settings as well as structural forces. For the US, the story for 2015 will be renormalisation with increasing of interest rates. For Japan and China, it will be monetary policy. For the Eurozone, price deflation to continue. Regardless, whether and when the Federal Reserve will end its zero interest rate policy will once again become t..... Read more

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