The Wotherspoon Wealth Blog

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Choose Your Budget

The proximity and timing of the Federal Budget and upcoming election means that neither the Coalition nor Labor have provided much Budget detail. Instead, voters must choose from their policy ideas. Whichever you choose, they won’t be legislated until the winning party can call the new parliament together and persuade...

Labor Changes for Investors

The proposed changes affecting investors if Labor are elected federally involve negative gearing constraints, less capital gains tax concessions and no longer refunding franking credits for those who don’t pay tax. Before we recap on the detail of the proposed Labor changes, let’s recall the background. In 2010, the Henry...

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...

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...