How should I rebalance my growth portfolio?
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The key decision is your defensive versus growth allocation It is a key element of our approach to investment risk management that you should select a target asset allocation that…
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Will share returns remain low?
Share and cash investment returns are unexciting It feels like the Australian share market has been going up and down in about the same spot for the past six or…
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Investment Yield versus Return for Risk
What to do when cash rates fall? With interest rates on cash in Australia falling to record lows, in absolute terms, there seems to be a scramble by investors to chase…
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Your emotions complicate investment decision making
Lifestyle asset decisions have a heavy emotional content It’s not always clear what’s a lifestyle asset versus an investment asset. Recent discussions with a client regarding a proposed holiday house…
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How much investment risk can you bear?
Your allocation to growth assets is a key measure of investment risk In our previous article in our series on the Personal Financial Dashboard – a graphic format that succinctly…
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The Pros and Cons of Lifetime Annuities
Lifetime Annuities and the quest for certainty Lifetime annuities offer you the opportunity to outsource a large slice of the uncertainty associated with managing your retirement capital. You get to…
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Managing investment uncertainty
Most investors should hold a combination of defensive and growth assets In our last article, we explained why we don’t think that the past five years of poor share market…
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Is a 100% defensive portfolio low risk?
The real risk is running out of money In turbulent and generally downbeat financial markets, like we have experienced since the end of 2007, there is natural tendency to become…
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Understanding asset allocation
Asset allocation: a measure of your investment risk Our objective is to help clients become financially well organised and make smart financial choices so they have the best chance of…
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Wealth Management: a risky business
Share and property investments are risky … Most people understand that the returns of growth investments (i.e. shares and property) fluctuate considerably. If they didn’t prior to the Global Financial…
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