The Independent Adviser

Independent Investment Advice

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...

Misconduct amid Poor Governance

The image of financial planners has taken a battering for years at the hands of institutions seeking to sell product under the guise of advice. It began in 1988 when the Government stopped individually licensing advisers and allowed company licensees to authorise them instead. By comparison, public practice accountants and...

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,...

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...

Old Investment Rules for a New World

Since the Great recession triggered by the global financial crisis of 2008/9, investing has been challenging. Eventually, central banks around the world dropped rates to the lowest levels for over 60 years to stimulate financial confidence and this pushed asset prices up. It’s been good news for investors but are...

Investing for Income: Part 3

In this three-part blog series, we’ve considered some options beyond cash and deposits to boost your income and suggested 5 rules to follow when investing in shares for income. This week, we seek to bring it together and explain how a portfolio needs to be individually tailored to achieve your...