May 31, 2016

Discipline matters, regardless of super policy

Voluntary super contributions are poised to become like New Year’s resolutions and lapsed gym memberships – well-meaning, but ultimately unrealised. Uncertainty combined with a distant time frame begets inertia.  As we close out the 2015-16 tax year and welcome in the new financial year with a double dissolution federal election, uncertainty is in generous supply when it comes to superannuation. The juxtaposition of the federal election timing and the end of the financial year means that some decisions – particularly on the tax planning front – cannot wait until the uncertainty clears. When it comes to the caps on super […]
May 26, 2016

The insidious side of low interest rates

Many investors might be worried about a low return environment – but something far worse than a sluggish economy may threaten your personal wealth. Amid low interest rates and volatile market conditions, criminals using fake investment schemes are an increasing risk to investors hungry for higher returns, according to a major report “Targeting Scams” released this week by the Australian Competition and Consumer Commission (ACCC). With many investors chasing the best yields they can get – particularly SMSFs in retirement, who are reliant on investment income – attractive, high yield opportunities can seem like a tempting avenue to get higher […]
May 26, 2016

The quest for balance

Balance is something most of us aspire to in many parts of our life – be it work/family time, diet or exercise. The past 20 years have taught us that a balanced approach to investing can help navigate some of the more turbulent times that can confront investors. Balance is one of our core investment principles and it speaks to the need for investors to understand the value of taking a balanced approach to their asset allocation decision. We have taken the opportunity to look back on the past 20 years to test how well our core investment principles – goals, balance, […]