The Australian economy – seven reasons not to be too gloomy

Published: June 3, 2015

Introduction Ever since the mining boom ended around 2011/2012 there have been constant predictions of doom for Australia. Foreign commentators and investors seem to have been particularly bearish on this front. I seem to constantly come across an ad on the internet titled “Australian Recession 2015 – Why it’s coming, what to do and how […]

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Dust off the history books – it’s back to the past to control the property cycle

Published: June 1, 2015

There is even talk of lenders managing their exposure by focussing on postcodes. This is all in response to increasing pressure from the banking regulator APRA (the Australian Prudential Regulation Authority) demanding that the 10% cap on property investor lending growth that it announced last December be adhered to. Those who have been around for […]

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Australia: Are we likely to see any changes in tax?

Published: May 31, 2015

There’s been a lot of debate about tax concessions and this followed from the tax discussion paper, released by the Federal Government a month or so ago. There seems to be four areas of focus:  Negative gearing Franking credits Capital gains tax discount Tax concessions regarding superannuation In this video, AMP Capital’s Head of Investment […]

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The virtue of (salary) sacrifice

Published: May 21, 2015

Salary sacrificing into your super is no different—you’re giving up ready access to your money in your take-home pay. But in return you’re boosting your retirement savings and saving on tax. You can pay extra cash into your super from your pre-tax salary at the concessional 15% rate of tax1 —up to a limit (or […]

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Time to sell the family home?

Published: May 21, 2015

When you’ve got a family a big house with plenty of room may make sense. But these days a smaller place may suit you better. Dreams of a change may be beckoning… you may be yearning to wake up to the smell of eucalyptus or doze off with an evening sea breeze. And if you […]

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Where will returns come from? The constrained medium term return outlook

Published: May 21, 2015

Introduction Way back in the early 1980s it was pretty obvious that the medium term (five year) return potential from investing was pretty solid. The RBA's "cash rate" was averaging around 14%, 3 year bank term deposit rates were around 12%, 10 year bond yields were around 13.5%, property yields were running around 8-9% (both […]

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New (financial) year, new resolutions

Published: May 20, 2015

It’s easy to put your finances on the back burner. After all, you’re doing all you can just keeping up with work and family commitments. But when you’re not organised, things can quickly get out of control and the harder it can get to tackle that pile of papers or emails. It can feel like […]

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Caring for the young and older

Published: May 20, 2015

Government assistance What a lot of people don’t know is that there is a range of great benefits and allowances available to help ease the financial stress on families under these trying circumstances. We recommend doing some research into the benefits on offer as you may be missing out on some well deserved financial entitlements, […]

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Be clear on investment goals

Published: May 15, 2015

From AMP Capital Retirees concerned about the latest cut to the official cash rate need to clearly identify their investment goals to help clarify whether capital stability or income sustainability is of greater importance.  Sustainable income in a low- rate environment Cash investments such as term deposits have been regarded as a safe option for […]

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