Investments
Why the World needs Financial Planners
Dec 16th
Who needs a financial planner?
Several weeks ago I rang a client to arrange a review of his investment portfolio. He and his wife have been retired for a few years now and are enjoying a comfortable retirement in a quiet seaside town. Like all good financial planners we have been keeping clients up to date with regular reports and newsletters.
The fallout from the global financial crisis and continued uncertainty has made most clients nervous about the security of their investments. It’s made financial planners even more nervous with falling investment values and fear of losing clients in such volatile markets. Read the rest of this entry »
Retirement Strategies for the Younger Generation
Nov 19th
Y Create Wealth?
I’m from the baby boomer generation and proud of it, but then again, I had no choice in the matter. A lot of people were born into the baby boomer generation and are now at the retirement stage of their lives. Many have succeeded to put away a comfortable nest egg for an enjoyable retirement but without a retirement strategy many more will struggle on little or nothing.
The problem has been recognised across the globe, as one of the largest work forces from any generation retires from active duty and is looking for support from the younger generations. With more people soon to be retired than are actually working, that’s enormous pressure which will be placed on the public purse to support an ageing and retired population Read the rest of this entry »
The XYZ of Adequate Returns in Super
Nov 17th
Tik Tok
If you’re a late entry X gen or better still a Y gen just entering the work force then it’s likely you have more than 40 years to retirement. And that means you have something that the baby boomers don’t have – time.
According to the Association of Superannuation Funds in Australia the definition of an ‘adequate’ retirement income will have you living on a figure of around $26,000 p.a.
Hmm, there goes that overseas holiday. Read the rest of this entry »
Knowing When To Buy and Sell Stocks
Nov 8th
Learn how to Buy and Sell Stocks
There are many different strategies to use when you are investing or trading in stocks. The important thing is that you have a strategy and stick to it. It doesn’t matter whether you are a short or long term investor – discipline is the key to success after picking what stocks to invest in.
What you also need to understand is that there is no perfect system out there. Any system you use will have its limitations but at least if you have a system you have a set of rules to apply for knowing when to buy and sell.
A system I use regularly for knowing when to buy and sell stocks is based on 3 rules and makes the task of buying stocks easy to use and understand. Read the rest of this entry »
How to find the Best Managed Funds – Part 2
Oct 25th
Better Performance
In the first part of this report we looked at how you pick the best quality managed funds.
In this part we are going to look at how you choose the best performing managed funds from your selection of quality funds.
Many of the research houses have useful analysis tools and a particularly good one to use is the Peer Group Ranking Report available with Morningstar. What this tool will do is rank all of your selected funds into a respective category. Let’s say you are looking for a geared Australian share fund as part of your portfolio. Morningstar will find every available fund that specialises in Australian shares and uses gearing in their investment strategy. Likewise, you may want to find a fund that invests into the largest international companies. Whatever type of fund you are looking for, Morningstar will have a category for it. Read the rest of this entry »
How to find the Best Managed Funds – Part 1
Oct 23rd
Financial Freedom through Financial Education
Finding the best managed funds is not difficult. It is a 2 step process. All you need to do is find the best performing funds within the best quality of fund managers. In more technical terms this is using both a qualitative and quantitative approach to selecting the best managed funds. Part 1 of this report is about the 1st step or qualitative approach to finding the best fund managers. Part 2 of the report will explain the 2nd step or quantitative approach to finding the best performing funds. Read the rest of this entry »
Investing in Gold
Oct 22nd
Investing in gold
History can show us that in bad economic times investors turn to gold for protection against inflation and falling currency prices. Gold is a commodity with a measurable unit of value, keenly sought after because of its unique characteristics.
The primary reason why we now see the price of gold at over $1,050US per ounce is because the US dollar is falling in value. When you print more money, it lowers the value of the existing currency already circulating. The US has been doing a lot of money printing lately; to get out of the hole they dug for themselves with credit mismanagement. Read the rest of this entry »
Safe Investment Strategies for Retirement.
Oct 21st
Keep your money working in Retirement
Let’s assume you are in or approaching retirement. You have your retirement nest egg, which has been working overtime lately, trying to catch up the time lost since the global financial crisis decided to change the rules on steady and consistent returns. Read the rest of this entry »
Get Better Returns with Hybrid Securities
Oct 19th
Secure Your Wealth
As investors seek out safe places to park their money from the fallout of the financial meltdown, Australia can be seen as the shining star to have survived the global crisis.
Traditionally, people seek safety for their cash in banks through fixed term deposits, some even seeking the safety of government or corporate bonds.
A relatively new type of income security is becoming popular in Australia and that is the Hybrid security. Given the strength of the Australian banking system investors should definitely be looking at these income securities over the traditional holdings in cash, fixed interest and bonds.
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