Budget 2017: The forgotten middle-class

With the Government in a position of surplus it would be good to see some incentives introduced in this year’s Budget, beyond the social investment being targeted in the announcements made to date, says local financial adviser Nick Stewart.  Read more…

Telling Stories

Hindsight bias in part is driven by a need to comfort ourselves with tidy narratives. For instance, there were many single factor explanations for the financial crisis, when it was really much more complex. In this article, Barry Ritholtz recommends exercising caution towards wise-after-the-fact explanations for market moves.  Read more…

Defining ‘Enough’

Whether working on your business, navigating your career or saving for your retirement, at some point you need to ask yourself ‘how much is enough?’ And if you’re in a long-term relationship, ask yourselves whether you both agree on how far to push. Carl Richards says this is an often overlooked element in a financial … Read more…

Insurance for business

Thinking of starting up a business, or investing in a shareholding?  As part of your planning you need to start asking the ‘what if’ questions.  What happens on the demise of my business partner?  What happens if the top sales or technician is injured?  What happens if something happens to you? Don Stewart, insurance adviser … Read more…

Market correction obsession

Feeling a little too comfortable? Without a correction, the tired media headline of “X billions wiped off the sharemarket today” has been on hiatus so far this year. In its absence, there has been continued pontification about the overvaluation of shares, hinting about our closeness to a correction, and which of President Trump’s tweets might … Read more…

Seductive Investment Stories

With disgruntled looks on their faces they were herded into a small conference room where the free coffee and tea was a small consolation for months of agitation. Not an ideal Tuesday afternoon in late February. At the end of the meeting they dispersed. Some talked to the media. Others muttered to themselves. They were … Read more…

Bellamy’s Another Lesson in Speculation

You may have heard of a company called Bellamy’s Organic. It was the darling of the ASX last year as the Chinese took a liking to its organic baby formula. Tins of the Tasmanian company’s formula were flying off the shelves in Australia as it was sold into China in what was termed a “white … Read more…

In sickness and in health

During our lifetime there are numerous risks we face each day.  Take a moment and think about all you have, and hope for.  It could be gone in heartbeat. On any day and at any time we can suffer a disability, a serious illness, or even untimely death.  When the unfortunate happens it can be … Read more…

The eight keys to a successful retirement life

Someone once said: “While there are lots of books available on retirement, the only book that really matters is the one that you write yourself!” There are some things that we can learn from others who have made the transition into the kind of life that they wanted.  Some would say that they were “happily … Read more…