Newsletter – 29th Aug 2019
August 13, 2019
Dear Sir/Madam, Once again, not a lot to report from our office since our last...
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Newsletter – 12th Jul 2019
July 13, 2019
Dear Sir/Madam, Not a lot to report from the office since our last newsletter. We...
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Don’t fight the Fed… or the ECB or RBA
June 24, 2019
Key points The ECB and the Fed now clearly look to be heading towards monetary...
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Australian growth will be constrained...
June 24, 2019
Key points Australian growth is likely to be weak over the next year or so...
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The $A still has more downside, but a...
June 17, 2019
Key points The Australian dollar likely faces more downside as Australian growth is weaker than...
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Newsletter – 17th Jun 2019
June 13, 2019
Dear Sir/Madam, Another enjoyable golf day but with a change of venue resulted in a...
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The nine most important things I have...
June 6, 2019
Key point My nine most important lessons from investing over the past 35 years are...
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Should you and your partner retire at...
June 5, 2019
It’s one of those curious questions people rarely ponder before the time draws uncomfortably near:...
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So how much do we really need to retire?
June 5, 2019
There’s been a lot of pretty scary “information” come out about the insane amounts of...
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RBA cuts rates to a new record low
June 4, 2019
Key points The RBA’s latest rate cut is aimed at heading off a further slowing...
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How do you plan for an uncertain future?
May 28, 2019
By MLC The problem with the good times is that they make it easy to...
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Australian house prices getting close...
May 23, 2019
Key points The combination of the removal of the threat to property tax concessions, earlier...
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Aussies making a slow transition to r...
May 22, 2019
This article originally appeared in The Australian Retirement used to be a clearly demarcated milestone...
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Worry, wellbeing and why more of us w...
May 22, 2019
Dean Pearson, Head of Behavioural & Industry Economics, MLC Ill health, job loss and family...
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Ageing is old hat for baby boomers
May 22, 2019
This article originally appeared in The Australian There was a time, not so long ago,...
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The trade war is back – what went wro...
May 14, 2019
Key points The trade war between the US and China has returned after talks to...
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Newsletter – 7th May 2019
May 7, 2019
Dear Sir/Madam, Only 11 days till the Federal election and we won’t have to...
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2029’s four major retirement tribes a...
May 7, 2019
This article originally appeared in The Australian By 2029, the last baby-boomer (born 1946-63) will...
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Rich and invisible lives of over-55s
May 7, 2019
This article originally appeared in The Australian Google the term “over-55s” and up will pop...
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It’s time to rethink retirement...
May 6, 2019
Dean Pearson, Head of Behavioural & Industry Economics, MLC, part of the NAB Group. It...
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Seasonal patterns in shares – should ...
May 6, 2019
Key points Seasonal patterns typically see shares do well from around November to May and...
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Inflation undershoots in Australia – ...
April 29, 2019
Key points Surprisingly low inflation in Australia has increased the pressure on the RBA to...
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Managing your pension in volatile mar...
April 18, 2019
Sinead Rafferty, Portfolio Specialist, MLC The severe falls in global share markets in late 2018,...
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Navigating redundancy: make it work f...
April 18, 2019
Redundancy unfortunately affects more and more Australians. With the right approach and professional advice, however,...
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Estate planning: what your will doesn...
April 18, 2019
Most of us think of estate planning as simply writing a will. However, ensuring your...
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Plan ahead for the aged care you want...
April 18, 2019
Helping parents make the transition into supported living can be challenging, but forward planning and...
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5 ways to take control of your money
April 18, 2019
Five ways to take control of your money, grow your wealth and start enjoying financial...
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10 habits of highly successful homebu...
April 18, 2019
Ready to take the leap into home ownership? It’s worth doing your homework first. Buying...
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Stay covered with your insurance in s...
April 18, 2019
Nobody plans to have a serious accident or illness. But if it happens, you may...
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Coming into an inheritance: key consi...
April 18, 2019
The death of a parent can be a hugely distressing time. It may also mean...
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Newsletter – 12th Apr 2019
April 12, 2019
Dear Sir/Madam, This year is passing us by too quickly and Easter is upon us...
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“Millennial socialism” and the swing ...
March 25, 2019
Key points Growing support for higher taxes on the rich and greater government intervention in...
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Newsletter – 15th Mar 2019
March 15, 2019
Dear Sir/Madam, We are a little busy this month, hence the tardiness of our newsletter!...
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Empowering women to own their finances
March 11, 2019
Money is still a taboo topic of conversation. Although we live in a world where...
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Australia slides into a “per capita r...
March 11, 2019
Key points Australian growth slowed even more in the December quarter. Growth may bounce back...
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Five great charts on investing – why ...
February 20, 2019
Key points Successful investing should be simple but increasing rules, regulations, choices and social media...
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Why growth in China is unlikely to sl...
February 7, 2019
Key points China’s economy is slowing but not collapsing as the services sector holds up....
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Newsletter – 7th Feb 2019
February 7, 2019
Dear Sir/Madam, Happy (belated) New Year to all of our clients! The office is...
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Australian housing downturn Q&A ...
January 23, 2019
Key points Australian home prices are likely to fall another 5-10% this year driven by...
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The 2018 year in review: a confident ...
January 15, 2019
John Owen, Portfolio Specialist, NAB Asset Management A challenging year for investors, with rising uncertainty...
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How to diversify when investing in bo...
January 10, 2019
Bonds have traditionally helped diversify the risk of shares because bond and share prices tend...
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Newsletter – 18th Dec 2018
December 18, 2018
Dear Emma , Christmas is nearly upon us and we have been very busy...
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The Australian economy in 2019 – hous...
December 17, 2018
Key points Australian growth has slowed again. The housing cycle downturn and its impact on...
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Should you borrow to invest in shares...
December 10, 2018
Experts discuss the pros and cons of borrowing to invest in property or shares At...
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Dealing with a serious health issue
December 10, 2018
Planning carefully and working through the issues can help if you or your partner experiences...
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Eight ways to boost your fitness in r...
December 10, 2018
It’s time to put physical fitness at the top of your priority list and start...
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What does the recent market volatilit...
December 10, 2018
Portfolio Specialist John Owen discusses what’s causing the current market volatility and how MLC is...
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How to transition to retirement
December 10, 2018
Find out how to transition into retirement easily We’ve given you a few tips to...
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Review of 2018, outlook for 2019 – an...
December 10, 2018
Key points 2018 saw reasonable global economic and profit growth and still low interest rates...
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Corrections, gummy bears and grizzly ...
November 22, 2018
Key points The pullback in shares could still have further to go but a deep...
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13 common sense tips to help manage y...
November 22, 2018
Key points Getting your personal finances right can be a challenge. Here are 13 tips...
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Rising US interest rates, trade wars,...
November 12, 2018
Key points It’s still too early to be sure that last month’s pullback in shares...
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Newsletter – 2nd Nov 2018
November 2, 2018
Dear Sir/Madam, After being away at a conference in South Australia, Rod is back on...
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Are shares expensive?
October 29, 2018
Key points Starting point valuations for shares matter a lot in terms of medium-term return...
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Boom turns to bust – falling Australi...
October 19, 2018
Key points Property prices in Sydney and Melbourne are likely to see top to bottom...
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The pullback in shares – seven ...
October 19, 2018
Key points The current pullback in shares has been triggered by a range of things...
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Successful investing despite 115 mill...
October 19, 2018
Key points A surge in financial information and opinion combined with our inclination to focus...
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Newsletter – 4th Oct 2018
October 4, 2018
Dear Emma , There isn’t a lot to report from the office this month. We...
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Lost in your career? The Japanese con...
September 21, 2018
If you’ve lost your passion for work, Ikigai might help you re-discover it. What’s the...
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Five charts to keep an eye on regardi...
September 20, 2018
Key points Whether a recession is imminent or not in the US, and more broadly...
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In the Media: Financial Services Roya...
September 13, 2018
Financial advice and superannuation have been closely examined in the ongoing Financial Services Royal Commission....
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Seven lessons from the Global Financi...
September 12, 2018
Key points The key lessons for investors from the Global Financial Crisis (GFC) are that:...
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Newsletter – 7th Sep 2018
September 7, 2018
Dear Sir/Madam, In office news, Monica is still slowly recovering from her recent surgery and...
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Five things you need to know about th...
September 6, 2018
Key points The Australian economy grew solidly over the last year. While recession remains very...
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Freelancing or in a startup? Here’s f...
September 3, 2018
Now that the government has tightened up the amount of money you can get into...
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The Twilight Zone with Trump, Trade W...
August 30, 2018
Bob Cunneen Senior Economist & Portfolio Specialist The calendar year is coming to a close...
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Royal Commission Hearings: Round 5 – ...
August 21, 2018
The fifth round of Royal Commission public hearings was held Monday 6 August to Friday...
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Newsletter – 10th Aug 2018
August 10, 2018
Dear Sir/Madam, In office news, Rod has returned to work following his hip operation at...
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Infographic: 2017-2018 financial year...
July 31, 2018
Take a visual tour of markets during the 2017-2018 financial year - a good year...
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Trumponomics and investment markets
July 31, 2018
Key points So far President Trump has been positive for share markets but this year...
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Winning gold against the odds
July 24, 2018
Empowered by family support, track cyclist Scott McGrory overcame personal tragedy to win gold against...
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The US economy – does the flattening ...
July 24, 2018
Key points If you are worried about a major bear market, the US economy is...
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2017-18 saw strong returns for divers...
July 9, 2018
Key points 2017-18 saw strong returns for diversified investors, but it was a story of...
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Newsletter — 2nd July 2018
July 3, 2018
Dear Sir/Madam, Happy New Financial Year! Hi there!! It’s been a busy few weeks since...
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Should the RBA raise rates to prepare...
July 2, 2018
Key Points The RBA should avoid calls to raise interest rates prematurely just to prepare...
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All set for the new financial year?
June 25, 2018
Making plans for the new financial year will help set you up for the next...
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Using failure to fuel your future suc...
June 25, 2018
To help us grow, sometimes we have to overcome our fear of failing – with...
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Trade war risks are escalating – but ...
June 25, 2018
Key Points US actions in recent weeks have increased the risk of a full-blown trade...
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Putting the global “debt bomb” in per...
June 25, 2018
Key Points Global debt levels have reached new records. Countries with very high gross debt...
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Your 7-point guide to the First Home ...
June 20, 2018
The First Home Super Saver (FHSS) scheme may allow you to save more money to...
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Newsletter — 12th June 2018
June 19, 2018
Dear Emma , June is here!! Hi there!! Over the last couple of years quite...
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Newsletter — 14th May 2018
June 19, 2018
Dear Emma , Hi all! Our newsletter is a little delayed this month as we...
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Making the most of rental and holiday...
June 13, 2018
Given increasing government focus, now’s the time for investors to be more savvy about their...
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Putting the ‘I’ in educat...
June 13, 2018
Alicia Gregory, Head of Private Equity, MLC For millions of mainland Chinese students, long days...
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China’s economy is pretty stable – bu...
June 13, 2018
Key points Chinese economic growth has been stable since 2016 at around 6.8%. Expect Chinese...
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Golf Day Rundown – 2017
May 10, 2017
The Total Wealth Management $10,000 hole in one tournament supporting Team J & J to...
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Advice for 20 year olds and Investing
May 8, 2017
AMP have put together a great article where they have asked a number of leading...
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What Does Tennis Have to do With Weal...
February 2, 2017
How following the strategies of a tennis champion can make you Wealthy How did Roger...
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What Value do you Put on Planning for...
January 13, 2017
We often come across people who know they should be thinking about the future, but...
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What’s the difference between Health ...
December 16, 2016
We speak to a lot of people about insurance and they often don’t understand the...
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You Get What You Pay For With Financi...
November 25, 2016
In this 3-part blog series on financial advice, we look at the why it is...
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Understanding the Value of Advice- Wh...
November 9, 2016
For those who have never engaged the services of a financial adviser it can be...
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What is Income Protection?
October 24, 2016
As part of delivering advice to clients we are frequently asked about the various insurance...
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The Age Pension is No Holiday
October 21, 2016
I took a holiday a few weeks back and while checking my emails I saw...
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What exactly does a financial adviser...
August 8, 2016
One of the main reasons that most ordinary Australians don’t approach a financial adviser to...
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Is it worth getting financial advice?
August 2, 2016
In short, a Financial Adviser can give you the right financial advice once they take...
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4 Great Reasons to Buy a Car NOW
July 12, 2016
Here are four great reasons to buy a car now. Can finance and affordability has...
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What can a financial adviser do for me?
June 22, 2016
1 Reply
You might be saying to yourself; • I don’t have enough money or assets to...
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TWM Golf day to raise funds for The L...
April 1, 2016
Total Wealth Management $10,000 hole in one Golf Day for Team J and J raising...
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Financing your asset purchases
March 29, 2016
For most businesses, the decision for financing your asset purchases is very clear cut as it...
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Health Insurance in a Word: OUCH!
March 7, 2016
Health insurance premiums will go up – again - on April 1st, between five and...
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Banking on your misguided loyality
February 22, 2016
If you have been banking with your current lender for more then 10 years, then...
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What is Investment Yield?
February 8, 2016
What is an investment yield? The yield an investment provides is basically its annual cash...
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2016 Investment Themes
January 25, 2016
2016 has started with many of the same fears/investment themes as seen in 2015. This...
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Renting VS Buying, it’s quite s...
January 15, 2016
To help answer the renting VS buying question, I will never forget the feeling of...
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Financial Goals
January 11, 2016
What financial goals will you achieve by 2020? Research shows that financially successful people are...
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GEN-Y – Redefining the Australi...
December 10, 2015
GEN-Y are redefining the Australian Dream because the Australian dream was simple when our parents...
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Financial Outlook for 2016
December 4, 2015
2015 has seen another long worry list for investors and this poses the question of...
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Total Wealth Management Office Reloca...
December 1, 2015
After 7 years at the Ipswich Corporate Centre, Rod has finally decided to relocate our...
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Investment information overload
November 24, 2015
The technology revolution has made it easier and easier to track our investments, and perhaps...
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Has low investment growth settled in?
November 12, 2015
Global investment growth has been sub-par and is likely to remain so for a while...
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What stage of the Investment Cycle ar...
June 16, 2015
A major concern for many involved in investing is our location in the investment cycle....
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The Home Prices And Interest Rates Of...
June 16, 2015
1 Reply
It comes as no shock to hear that Australian properties are overvalued. The Reserve Bank...
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Recent downturn in the stock market
June 16, 2015
While investors have been busy arguing about whether or not we are due for a...
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