The Wotherspoon Wealth Blog

Outlook for Australian Banks

Investors usually have some exposure to Australia’s banks. They’re over-represented in our ASX at 35% of the ASX300 index, compared with about 25% of the US S&P500 Index. It’s because Australia’s industrial base has been hollowed out by the decline in manufacturing. So, if you just buy the overall market,...

Transport Revolution

A slow transport revolution is under way. From environmental and increasingly a cost point of view, electric powered vehicles are becoming popular. It’s a trend boosted by significant technological changes and now some countries have mandated towards Electric Vehicles (EVs) to reduce carbon pollution. EVs range from: hybrid electric vehicles...

Beyond the Super Pension Limit

Now superannuation pensions are limited to $1.6million, the appeal of a family trust has increased. Perhaps the government need not have also limited super contributions and instead allowed people find their own path towards the overall pension limit… (but grumbling doesn’t help). Family trusts don’t yet have the network of...

Trump’s Tax Cuts

Large US corporate tax cuts from 35% to 21% will boost Trump’s standing at home, though covering its cost may not appear on US voters’ radar until much later. In the short-term we can expect a small rise in US earnings per share with a minimal boost to international equity...

Lifestyle as you age

Thinking of downsizing your home and wondering about your options?  Maybe you want to shift from your family home to a smaller courtyard home for easier maintenance or to release some capital to generate extra income? Downsizing incentives in the last Federal Budget now allow retirees to contribute into superannuation...

Constructive Grandparent Gifts

Adelaide’s Christmas pageant is this week, so minds will soon turn to Christmas gifts. Are you a grandparent, parent or adopted ‘aunt/uncle’ to young children? Perhaps you’d be interested in a constructive gift for them that could start a shared discussion for many years ahead? Older folk usually have wisdom...

Grocer Disruption

Should you invest in Australia’s grocery market? The Grocery business in Australia has been a consumer staple investment choice for many decades with reliable, steadily growing dividends from a growing population and inflating food prices. However, the imminent arrival of Amazon and rapid growth of foreign retailers like Aldi, Costco...

Investing in Australian Telecoms

Telecommunication has been a major growth industry as our use of smart phones, watches and other devices has grown.  So how can you invest in this sector and is it even a good idea?   ASX listed stocks in the telecom sector include two from New Zealand but this blog...

6 Steps to Happiness

We recently heard two interesting speakers recently on the topic of ‘happiness’ – what it is and how to ensure you enjoy it. Dr Tim Sharp (Dr Happy) and Dr Melissa Weinberg work in the area of positive psychology. You can find out more about Dr Happy here and Melissa...

Geo-politics… what’s an investor to do?

As the sabre rattling around North Korea continues, world markets seem relatively unfazed. Perhaps concluding neither side would be intemperate enough to press the nuclear button… let’s hope. If the market is wrong about this, money may be the least of our worries! But it has pushed the gold price...