In the world of finance, the relationship between the Official Cash Rate and bond yields typically follows a predictable pattern: when the RBA or the Federal Reserve cuts interest rates,…
It was a great financial year for markets. Although things looked a bit shaky in September and October 2023 it was in early November that the markets perked up, and…
Another financial year is drawing to a close. Have you done your best financially? Now is the time to go through our check list and see if any of our…
Our first chart in this update shows the 12 month returns for some of the major markets that investors generally have exposure to. (we use these common exchange traded funds…
Way back in 2016 the government introduced a provision in their Superannuation Reform Package that allowed tax payers to carry forward any unused concessional super contributions. We commonly call it…
The answer is simple, Yes and No. Without being too obtuse, you cannot apply for and be granted an Australian Age Pension if you are not in the country at…
Updated 07 January 2024 Einstein is attributed with the phrase, ‘everything should be made as simple as possible, but not simpler’. When it comes to aged care fees, it seems…
This could be either the opportunity of a lifetime, or maybe the bear market in Bonds has further to run before that opportunity can be realised. Let’s dive in so that we can understand the risk/reward, and also make sense of the key terminologies of the bond market.
How often have you walked along a beach like this one, and found yourself asking that question? Unfortunately, there is no single magical number that answers the question. The answer…
One thing that has intrigued me over the years is how we (humans) make judgements on what is a good investment given how we see things at face value. This…
Exchange Traded Funds, or ETF’s are a convenient way to buy diversified portfolio of assets with one single trade. Although some of the gushing commentary of young writers in personal…
In Australia, Exchange Traded Funds (ETF’s) crossed the threshold into a $100 billion pool of investments during the first quarter of 2021. The milestone was even mentioned in mainstream press…
Most of my readers know I am apolitical and sceptical rather than cynical. I am not convinced that the ‘science’ on climate really is ‘settled’. I do agree that the…
Share markets have posted solid returns in the financial year ended 30 June. While the month of June 2022 was a shocker, where the ASX fell 8.25% and the S&P500…