The Wotherspoon Wealth Blog

Changing a Culture of Greed

Unveiling the extent of greed, abused trust (even predation) in the banking and financial sector has disturbed all Australians.  It’s sullied all financial service providers, whether deserved or not.  Let’s hope consequent changes can significantly shift that culture to one where ‘client first’ rules. In treading this path over the...

Wotherspoon Wealth: 2018 FPA Professional Practice of the Year

On 21 November 2018, Wotherspoon Wealth was recognised by the Financial Planning Association (FPA) of Australia as the 2018 Professional Practice of the Year. We are incredibly proud of our work so far, and of our team in living and breathing the highest of standards in providing valuable advice and...

Top 5 Investor Insights For 2019

2018 was another interesting year for investors with particularly volatile markets since October! So how does 2019 bode for investors?   No more ‘easy money’ The market significantly shifted its thinking on interest rates and monetary policy during 2018. Since the GFC 10 years ago, global central banks busily stimulated...

Patience Pays

For investors, there is always something to worry about but history shows the huge benefit of long-term investing. For over 140 years, our Australian stock market made positive returns 80% of the time. Over that time the average growth rate has been 8-9% p.a., including 4.5% dividend and despite some...

Young, Growing India

China and India are the two most highly populated countries in the world.  Like China, India will become a global economic powerhouse over the next 30 years. But unlike China, India is a democracy. Though its wealth is smaller than China’s, it is now growing faster with a much younger...

Investing in Energy

After a decade of divisive politics and no consistent energy policy, business is crying out for reliable consensus. When common sense eventually prevails – solar, wind and batteries seem likely to drive Australia’s future energy as coal diminishes significantly past 2030. Energy companies are aware of this and despite an...

Compare the pear… apples and oranges

What’s in a name? Industry and retail superannuation funds usually offer multi asset ‘balanced’ or ‘growth’ oriented investment options, which become their ‘flagship/default’ funds. But what does it really mean to be ‘balanced’? Are are all ‘balanced’ funds the same? The term ‘balanced fund’ originally meant a balance between defensive...

Three-tier approach to retirement

Running out of money in retirement is one of the biggest worries for retireees. A disciplined savings and investment strategy over your accumulating years determines how much you accumulate. Equally important is how and where you allocate your assets during your retired years. If you have ample capital, you can afford...

Trump Trade Wars

Have we learned anything about investing from the World Cup? Perhaps it’s that nothing is a sure thing – ask Germany, Italy, Spain, etc. The analogy for investing is that no investment is guaranteed, so diversifying away some risk is really important. Apart from diverse spread, buying quality assets while...

Investing amid Geopolitical Change

We’re living in ‘interesting times’ as the Chinese curse is said to have wished. China is steadily flexing its growing power and Russia’s shrewdly successful global chess game has become more visible. Both are led by effectively ‘Presidents for life’ with longer timeframes than the west, unfettered by democratic values....