Blog

Correction time for shares?
Key points The US share market is long overdue a decent correction. This now appears to be unfolding and may have further to go as higher inflation, a slightly more aggressive Fed and higher bond yields are factored in. This will impact most share markets including...

How to manage cash flow without impacting your lifestyle
There’s a common misconception that in order to manage your cash flow, you need to dramatically cut back on your lifestyle, create an extremely tight budget or meticulously count every cent. It really doesn’t have to be that way, and it is possible to have long-term...

Did you overspend at Christmas? 5 tips to getting back on track in 2018
Christmas is a favourite time of the year for many, but it can be the cause of additional stress with an increased strain on the budget. You may have planned a Christmas budget to the cent and come unstuck at the end or maybe you just closed your eyes and hoped for...

2018 – a list of lists regarding the macro investment outlook
Key points 2018 is likely to remain good for diversified investors. The investment cycle still favours growth assets over cash and bonds. But expect more volatile and constrained returns as US inflation starts to turn up. Watch US inflation, bond yields, President...

Do your Finances need a Reboot in 2018? 3 ways to find the right Financial Planner for you.
The other day I was talking with a new client of mine. He’s a young professional, who recently started in a well-paid job and his early career is on track for growth. He came to me for financial advice. He wanted to start off on the right track now that he is...

3 things to do today to create wealth tomorrow
The other day I was talking with a new client of mine. He’s a young professional, who recently started in a well-paid job and his early career is on track for growth. He came to me for financial advice. He wanted to start off on the right track now that he is...

Will Australian House Prices Crash? Five reasons why it’s more complicated than you think!
Key points Talk of a property crash is likely to ramp up again with signs that the Sydney and Melbourne property markets are cooling. But the Australian property market is a lot more complicated than the crash calls suggest. We continue to expect a 5-10% downswing in...

5 ways Australians will use their tax return this year
With nearly one in three people planning to save their tax return, have you considered what you might do with yours? This year more than 75% of Australians expect to receive a tax return, with a large portion of the population planning to use the money they receive...

Where are we in the global investment cycle and what’s the risk of a 1987 style crash?
Key points There is still little sign of the sort of excesses that precede major economic downturns and major bear markets suggesting that (although US shares are overdue a decent correction) we are still a fair way from the top in the investment cycle. Key to watch...

Should you lend money to family?
What you should consider before handing over your hard earned savings You're probably fairly used to helping your family out with a little extra cash here and there. Whether it's pocket money for doing chores, or money to pay phone bills, go see a movie or buy...