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Keeping the Economy Moving

The Morrison Government’s mind-bogglingly large support packages to get Australians through the COVID-19 (Coronavirus) shutdown have dominated headlines, and rightly so. Only months ago, the Australian economy was in relatively good shape and headed for a Budget surplus. It’s not just the Government that has swung into action. Behind the scenes, the Reserve Bank of [...]

By | May 7, 2020|

Hold on…bumpy markets ahead

After period of optimism, global investment markets have hit the panic button on fears about the possible economic impact of the coronavirus (COVID-19). At times like these, it’s good to get some perspective. Australian shares rose 24 per cent last year, touching record highs, and 10 per cent a year over the past seven years. [...]

By | March 2, 2020|

The hunt for dividend income in 2020

With interest rates at historic lows and likely to stay that way for some time, retirees and other investors who depend on income from their investments are on the lookout for a decent yield. Income from all the usual sources, such as term deposits and other fixed interest investments, have slowed to trickle. Which is [...]

By | February 10, 2020|

2019 Year in Review – A year of highs and lows

It was a year of extremes, with shares hitting record highs and interest rates at historic lows. Yet all in all, 2019 delivered far better returns than Australian investors dared hope for at the start of the year. The total return from Australian shares (prices and dividend income) was 24 per cent in the year [...]

By | January 21, 2020|

Steering through choppy seas

Like it or not, we live in interesting times. More than a decade after the Global Financial Crisis, the global economy is facing fresh headwinds creating uncertainty for policy makers and investors alike. This time around it's not a debt crisis, although debt levels are extremely high, but geopolitical instability. The ongoing US-China trade war [...]

By | December 3, 2019|

Positives & Negatives of gearing

Negatively gearing an investment property is viewed by many Australians as a tax effective way to get ahead. According to Treasury, more than 1.9 million people earned rental income in 2012-13 and of those about 1.3 million reported a net rental loss. So it was no surprise that many people were worried about how they [...]

By | November 1, 2019|

How Super is your life Insurance

For most people, life insurance provides a safety net against unexpected events. This is particularly the case if you have a mortgage, debts or family who are dependent on you earning an income. In many cases, life insurance has been automatically offered through superannuation. Although 85 per cent of people hold life insurance this way, [...]

By | October 3, 2019|

Pensions to Rise as Deeming Rates Fall

It’s been a long time coming, but up to 630,000 retirees could soon enjoy a small but welcome increase in their Age Pension payments following a cut in deeming rates used for the pension income test. Under the Age Pension income test, you are ‘deemed’ to earn a certain rate of interest on your savings [...]

By | September 11, 2019|

Is the tide TURNING on the property market?

For the first time in years, the planets seem to be aligning for homebuyers and property investors. Interest rates are falling, property prices largely appear to be stabilising and constraints on bank mortgage lending have been relaxed. In July, home values recorded zero growth nationally, with signs the housing conditions are stabilising. Most tellingly, prices [...]

By | August 6, 2019|

Making the most of the falling interest rates….

The Reserve Bank’s decision to cut official interest rates is good news for anyone with a mortgage or hoping to buy their first home, but presents a challenge for savers. Whatever your personal situation, the question now is how to make the most of falling rates.   In case you missed it, on June 4 [...]

By | July 4, 2019|