Cyber warfare is mainstream and getting more sophisticated. Unfortunately, more people are falling for very slick and ‘professional’ scams. If someone contacts you unexpectedly, STOP and ask [...]
Business headlines have recently been filled with negative news which begs the question – Can I avoid the potential upcoming downturn? To answer, it helps to examine history. The chart to the left[...]
It’s been another big year. In January the RBA rate was 0.25% (40+ year low) fueling asset price growth of everything incl 2nd hand cars. We had lockdowns, the AO Tennis controversy and multiple nat[...]
For 20+ years our investment strategies have been based on academic evidence to generate the returns to fund lifetime client goals. Core to this strategy is capturing market return year after year, [...]
June already and we’ve seen significant change in the 1st half of 2022 including a new Prime Minister, Ukraine war, supply shortages of almost everything, spiralling cost increases causing the highe[...]
As you will be familiar, we are continually focused on the investment portfolio design to optimize risk and return. With the significant domestic (Aust) market concentration in resources & banking[...]
Following 12+ extraordinary months in the COVID “normal” world we have seen a large impact on investment dividends particularly in Australian equities. At the same time income from cash and term d[...]
Wow. Global travel had become routine for many. We thought the Global Financial Crisis in 2008/09 was bad, but that’s a distant memory except for those who speculatively borrowed to the maximum.[...]
Life is often a series of tradeoffs between time and money, so it understandably has a powerful effect on our behaviour. Money is often cited as a stress inducing aspect of life. Both money and time[...]
On 6 October 2020, the Australian Government introduced personal income tax cuts as part of the 2020-21 Budget (to apply retrospectively from 1 July 2020). This is summarised below: &n[...]