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The “Jurassic Park” of financial advice

May 22, 2018

financial advice, Henderson Maxwell, Royal Commission, Sam Henderson, self managed super funds

The usual suspects’ advice practices again under scrutiny … The latter part of April saw the Financial Services Royal Commission[1] examine some poor financial advice practices that had been brought…

Is the search for higher income yield misguided?

April 24, 2018

dividend paying shares, growth assets, income yield, investment risk, investment wealth, taxation

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Income yields are down, but should you worry? The last few years have seen a fairly dramatic drop in the income yields obtained from typical balanced (i.e. roughly equal defensive…

Will investors benefit from a reduction in the company tax rate?

March 20, 2018

Australian shares, company tax, company valuation, dividend imputation, Investor share returns

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Is a company tax reduction a second best solution? The Government has proposed to reduce the large company tax rate from its current 30% to 25% by 2026-27. It argues…

What’s the fuss about interest only loans and offset accounts?

February 20, 2018

financial stability, home loans, interest only loans, mortgages, offset account, principal and interest

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Interest-only with offset: a winning product? Interest only loans for residential property purchase, for both owner occupiers and investors, have been in the news lately. With no requirement to repay…

The changing shape of emerging markets

January 23, 2018

BRIC economies, emerging markets, growth portfolio, International shares, investment, risk and return

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Emerging markets have recently re-emerged The two years to end December 2017 saw the MSCI Emerging Markets index (the most widely used benchmark for emerging market shares) massively outperform the…

Forecasting share market returns

November 21, 2017

excess returns, investment philosophy, risk and return, risk free rate, share market returns

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Our investment philosophy relies on capitalism continuing to work A key tenet of our investment philosophy is that it’s extremely difficult to reliably predict short term (i.e. out to five…

Household Income, Wealth and Debt in Australia: an update

October 17, 2017

baby boomers, financial independence, household debt, household income, household wealth

No Comments

A summary of household wealth and income Every two years, the Australian Bureau of Statistics (“ABS”) releases its survey of Australian household income and wealth. The latest release[1] relates to…

How “real” are your financial planning projections?

September 19, 2017

cash flow projections, CPI, electricity costs, financial planning, inflation, real spending

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It’s maintaining real spending power that matters When clients consider how much they expect or wish to spend in the future, they naturally think about it in terms of today’s…

Pitfalls of retirement planning

August 15, 2017

capital maintenance, financial future, financial independence, lifelong cash flow, retirement planning

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Retirement expert reconsiders previous thinking Most planning advice, both regarding saving for, and the enjoyment of, retirement, is given by people who are not retired. So, while the advice may…

Does “rentvesting” make financial sense?

July 18, 2017

owner occupation, renting, renvesting; property investment

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Rentvesting: a cheaper way to own a home? Before attempting to answer the question posed by the title of the article, it may be necessary to explain what “rentvesting” is.…

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The “Jurassic Park” of financial advice

Is the search for higher income yield misguided?

What’s the fuss about interest only loans and offset accounts?

The changing shape of emerging markets

Household Income, Wealth and Debt in Australia: an update

How “real” are your financial planning projections?

Pitfalls of retirement planning

Does “rentvesting” make financial sense?

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