The Independent Adviser

Independent Investment Advice

Investing for Income: Part 1

After the world’s ‘easy money’ reaction to the GFC, a typical balanced portfolio now produces around 25% less income. This has particularly been driven by significantly lower income from fixed interest investments like cash, deposits and bonds. As low rates are expected for many years, investors are understandably tempted to...

Rise of the Techno-Privileged Class

After the GFC in 2008, Chair of America’s Federal Reserve Bank Ben Bernanke, toiled to avoid the mistakes of the Great Depression.  Banks were bailed out, interest rates lowered to almost zero for easier money access – and President Obama promoted fiscal stimulus with some success. Low interest rates and...

Beware the wolf in sheep’s clothing

We are increasingly concerned that Australia’s major financial institutions are hindering the development of professional financial planning. Regulation is way overdue to formally differentiate ‘product selling’ from professional, objective financial advice. The Australian Securities and Investments Commission (ASIC) Report 515 Financial Advice: Review of how large institutions oversee their advisers, makes disturbing reading...

The Credit Card Juggle

Managing your credit cards Even when you’re in a strong financial position, managing your spending with credit cards is a juggle. Most of us spend via credit or debit cards for their convenience and commonly, people pay off their credit card in full each month. However, since banks and credit...

How to choose a financial adviser…

…and what to ask them A good financial adviser works with you to clarify your financial goals and create a plan to achieve them. Mulling ideas with your friends to enhance your money management is fine but ultimately it’s best to work with a reliable professional to ensure you’re always...

The Journey or the Destination?

In terms of style, we are ‘value’ investors who pay heed to ‘value traps’ in this low growth environment. We encourage our clients’ to foster a capacity for patience while pursuing a long term investing attitude.  In recent years this has become challenging for investors as markets have become too...

Importance of Diversification

World markets seem to have have mixed feelings about Brexit in the last week and a half with bonds, stocks and commodities all moving higher, in some cases topping pre-Brexit levels. Markets are indeed unpredictable when you consider the main UK share index (FTSE100) ended last week up 7.1% to...

7 Steps to End of Financial Year Success

Having a successful, tax-efficient financial plan is an ongoing process, but with the end of the financial year only two weeks away, it’s a good opportunity to review your strategies With significant proposed changes announced in the 2016 Federal Budget and an election looming, it is important to look at...

A World of Opportunities

In this era of automation, there is continual change. One such change is the ability to access managed funds more efficiently via the ASX rather than the traditional form filling with your cheque then sent to the fund manager. A similar process applies in reverse when you want to sell/redeem you...