When you’re working with a financial planner it’s important to understand their beliefs and philosophy surrounding investing. We have four fundamental aspects to our investment philosophy – Clear goals, suitable asset allocation and diversification, low costs and long term discipline….
It’s important to understand the risks before you consider getting an investment loan. Whilst you may get larger returns when your investment value increases, it can result in larger losses when the value falls. How it works A time frame…
Financial planning. That’s for people with lots of money to invest, isn’t it? Not necessarily. Sure, investment planning is an important part of financial planning, but underpinning the whole process of creating wealth in the first place is having a…
When we get to the end of another year, we often feel the stress and events of the last 12 months weigh on us. As we head into the holiday season, the overwhelming pressure and stress of spending can take…
ESG, SRI, Ethical Funds, Ethical companies. These are the trend words around Responsible Funds Management in recent times. Locally it is no coincidence. The rise of Ethical Funds Management has come off the back of a horrendous 2019 fire season,…
Has your lender given you a call or emailed, apart from after Reserve Bank rate reductions, to say, “Mr. & Mrs Client, you have been fantastically loyal customers so we have decided to reduce your home loan interest rate and…
Many people have experienced the “Bill Blues” over the course of their adult lives. The feeling of dread when receiving the electricity bill, the trepidation when the phone bill arrives or the anxiety when the rates notice turns up in…
For those not working within the Fund Management business, you are forgiven for being unfamiliar with the title of the article. What is this versus that all about anyway? For investors out there, which includes most working and retired Australians,…
So you’ve seen the light. The days of partying and wasting money are behind you. Maybe you’ve settled into a relationship, or maybe you’re just feeling like it’s time to be a little more financially responsible – but where to…
By far the hardest spending items to estimate in a household budget are the so called “discretionary” items. Most people are quite good at understanding how much many of their costs are – think mortgage payments or rent, loan payments,…
