Key points Seasonal patterns typically see shares do well from around November to May and not so well from May to November. This partly reflects a combination of tax loss selling in the US, new year cheer and the pattern of capital raising through the year. While we see shares doing well this year, right […]
Key points Surprisingly low inflation in Australia has increased the pressure on the RBA to cut interest rates again. We continue to see the cash rate falling to 1% by year end and now see the first cut coming as soon as May. For investors, it’s going to remain a low interest rate environment for […]
Sinead Rafferty, Portfolio Specialist, MLC The severe falls in global share markets in late 2018, after almost a decade of strong market returns, led many investors to ask whether it was too risky to stay invested in the share market during their retirement. If they did stay invested, should they move to a strategy with […]
Redundancy unfortunately affects more and more Australians. With the right approach and professional advice, however, it could open up opportunities and work in your favour. Even though redundancies are often part of business, being told your role is redundant can throw your plans into disarray and leave you feeling blindsided. The key is not to […]
Most of us think of estate planning as simply writing a will. However, ensuring your assets are distributed according to your exact wishes after you pass away can be more complicated than that. Having an up-to-date will is an essential part of the estate-planning process. Some assets automatically form part of your estate when you […]
Helping parents make the transition into supported living can be challenging, but forward planning and open communication can help everyone. Here are some things to consider together. There are good reasons to start discussing aged care options with your parents well before they’re needed. Your parents’ circumstances could change quickly and assistance in or outside […]
Five ways to take control of your money, grow your wealth and start enjoying financial peace of mind. It can seem daunting, but you’ll definitely feel the benefit once you’re ‘the boss’ of your own finances. It’s all about getting better at managing your spending and identifying opportunities to grow your wealth. Add in the […]
Ready to take the leap into home ownership? It’s worth doing your homework first. Buying your own home can be overwhelming – hardly surprising given it represents one of life’s biggest investments. Our buying tips aim to make the whole process a little less daunting – while ensuring you’re thoroughly prepared. 10 things to consider […]
Nobody plans to have a serious accident or illness. But if it happens, you may be able to make an insurance claim through the insurance in your super. Here is a summary of the main types of insurance cover available in super, why it can be worth having and what you should do to make […]
The death of a parent can be a hugely distressing time. It may also mean coming into an inheritance. Working out what to do with an inheritance isn’t always straightforward, so here are some tips on how to approach it. Receiving a financial windfall isn’t always an occasion for celebration. If it comes in the […]
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