The positive impact of lower inflation
We appreciate investors are faced with some difficult decisions, particularly with cash and fixed interest investments expected to offer low returns for some time. However, we encourage them to view…
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How does this downturn differ to prior downturns?
Ultimately, this downturn differs significantly from prior recessions because it involves both a supply-side and demand-side crisis. Historically, we are used to demand-side crises where consumers, companies and governments cut…
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Is this the most hated market rally in history?
The recovery in stock markets around the world since the 23 March lows has confounded many and been dubbed the most hated market rally in history. It has polarised many…
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Another one bites the dust …
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Westpac exits financial planning … You may (or not) have noticed my Blog article output has reduced over the past 12 months. Having written about 180 articles over the last…
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A more complete view of share market performance
The share market “news” you’re hearing may be misleading The four months to 31 December 2018 saw a nasty fall in both Australian and global share markets. As measured by…
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The keys to a successful retirement
Your financial resources are the best predictor of a successful retirement … As financial planners, we are heavily focused on our clients being financially well prepared for the retirement they…
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What investment returns should you expect?
Is history a reliable guide to future investment returns? When doing long term cash flow projections for clients, it is necessary to make some “guesses” of future investment returns. Unfortunately,…
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“Back of the envelope” financial planning
Making financial decisions based on what others are doing can be dangerous My children and many of their friends are now at the age where they are making very important…
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What is good financial health?
Good financial health not measured purely by wealth When we started Wealth Foundations in 2007, we embraced 20 principles of successful wealth management. These continue to underpin our approach to…
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Low financial literacy: a serious threat to financial health
Retirement readiness is low, both in Australia and internationally Recently, the Aegon Center for Longevity and Retirement released its 2018 international Retirement Readiness Survey, a survey it has conducted annually…
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