What is an investment yield? The yield an investment provides is basically its annual cash flow divided by the value of the investment. For bank deposits the investment yield is simply the interest rate, eg bank 1 year term deposit rates in Australia are around 2.4% and so this is the cash flow they will […]
2016 has started with many of the same fears/investment themes as seen in 2015. This note provides a summary of key 2016 investment themes on the global economic and investment outlook in simple point form. Global growth of 3% or just above, with the US around 2%, Europe and Japan lagging and China running around 6.5%, but […]
To help answer the renting VS buying question, I will never forget the feeling of handing over 7 x $50 notes each week to our real estate agent/landlord back in 1987 when I rented in Gosford. For my partner and I, this was enough to motivate us to get a deposit together to purchase our […]
What financial goals will you achieve by 2020? Research shows that financially successful people are people who set plans. A recently conducted survey with the self-made rich found that the more financially successful you are, the greater the likelihood that you’ve set personal financial goals to help you achieve that success. The data also shows that highly […]
GEN-Y are redefining the Australian Dream because the Australian dream was simple when our parents were young. They’d get jobs in a handful of sectors, buy a humble brick home in the suburbs for less than $100,000 and have a couple of kids. Four television channels and board games provided entertainment. On weekends friends were […]
2015 has seen another long worry list for investors and this poses the question of what the financial outlook for 2016 might be. Some of these – such as terrorist attacks in Paris, the escalating war in Syria, refugee problems in Europe, Greece’s latest tantrum and tensions in the South China Sea – have not […]
After 7 years at the Ipswich Corporate Centre, Rod has finally decided to relocate our office to 11 Lawrence St North Ipswich. We are all looking forward to the new air conditioning, no stairs or lift and plenty of car parks. We will be shifting during week commencing December 14th and will spend time over […]
The technology revolution has made it easier and easier to track our investments, and perhaps suffer from investment information overload. Within this revolution, some of the news is balanced, but a lot of it is not. Human nature is naturally cautious because our brains evolved at a time when we had to be on the lookout […]
Global investment growth has been sub-par and is likely to remain so for a while yet. The same applies in Australia. This means low inflation, low interest rates, periodic growth scares and potentially a longer economic cycle. For investors, it means ongoing low returns on bank interest and constrained investment returns. But it’s not all […]