Managing the impact of volatile markets on your retirement savings
For retirees, satisfying your income needs today remains a top priority. But equally as important...
Read MoreDealing with market volatility for soon-to-be retirees
The global fight against Coronavirus, in addition to plummeting oil prices, has caused share markets...
Read MoreInsurance inside super — should you keep it?
If you’re a member of a super fund, it’s more than likely you have insurance...
Read MoreLight at the end of the coronavirus tunnel – what does it mean for investors?
Key points After a strong rally, in the short-term shares are vulnerable to bleak economic...
Read MoreMagic money tree – QE & money printing and their part in the coronavirus economic rescue
Key points Central bank support to ensure the flow of money and credit through economies...
Read MoreWhat signposts can we watch to be confident shares have bottomed?
Key points While shares have rallied 15-20% from their March low and may have started...
Read MoreManaging your super in a market downturn
We’re here to help you understand what happens in a share market downturn, If you’ve...
Read MoreWealth Warning: Things to consider about the Government’s $10K early release of super measure
On March 22, the Federal Government has announced people facing significant financial hardship as a...
Read MoreWhat our investment managers are saying
Download PDF Given the speed and size of share market falls, it’s understandable for investors...
Read MoreWise moves: The new start-up economy
This article was originally published on smh.com.au When Marty Moore left his role as CEO of...
Read MoreGrowth assets: identify and capitalise on your best performers
Experts agree that retirees should go for growth if they want to boost their retirement...
Read MoreCapturing coronavirus and other remote possibilities in the Investment Futures Framework
Download PDF Managing risks intelligently — those that can be reasonably anticipated all the way...
Read MoreThe Coronavirus pandemic and the economy – a Q&A from an investment perspective
Key points Significant government support is essential to enable parts of the economy to successfully...
Read MoreIs Coronavirus driving a recession, depression or an economic hit like no other? What does it mean for the bear market in shares?
Key points Global share markets have fallen into a bear market, but whether this turns...
Read MoreThe threat to Australian house prices from Coronavirus
Key points The Australian housing market is at risk from the coronavirus recession Australia has...
Read MoreFive charts on investing to keep in mind in rough times like these
Key points Successful investing can be really difficult in times like the present with immense...
Read MoreThe increasing economic threat from Coronavirus – what to watch for and what should investors do
Key points The rout in financial markets has continued, on the back of coronavirus, made...
Read MoreInvestment market impacts of coronavirus. Part II
By Grant Mizens, Assistant Portfolio Manager, MLC Download PDF Financial markets, which had until now...
Read MoreThree reasons why low inflation is good for shares and property
Key points Shares are vulnerable to a short-term correction. But with inflation low, and as...
Read MoreRetirees benefitting from the gig economy
This article was originally published on smh.com.au. When Chris Longhurst received a generous redundancy from...
Read MoreFrom bushfires to Coronavirus – five ways to turn down the noise around investing
Key points The coronavirus outbreak is just another of a long list of worries. Our...
Read MoreInvesting in residential property versus shares – which is better?
There are many investment strategies you can implement to help you build real long-term wealth....
Read More5 things to consider before investing
Investing your money may be one of the most effective ways to help you build...
Read More4 strategies to help manage debt
Thinking about debt probably doesn't spark a positive reaction for most people, but it is...
Read More3 retirement income strategies for you to consider
One of the biggest misconceptions about retirement is that in order to have enough to...
Read MoreHow to help grow your money through compound interest
Einstein has repeatedly said that compound interest is the eighth wonder of the world. While...
Read MoreHow much do you need to start investing in shares?
Investing in shares can be one of the most effective ways to help you create...
Read MoreThe China Coronavirus outbreak – economic and investment market implications
Key points The China coronavirus outbreak has led to concerns of a global pandemic triggering...
Read MoreFive charts to watch regarding the global economy and markets this year
Key points Shares are at risk of a short-term correction or consolidation after a strong...
Read MoreBushfires and the Australian economy
Key points The bushfires are expected to result in around a 0.4% hit to GDP...
Read More2020 – a list of lists regarding the macro investment outlook
Key points Despite ongoing bouts of volatility, 2020 is likely to provide solid returns, albeit...
Read MoreReview of 2019, outlook for 2020 – the beat goes on
Key points 2019 saw growth slow, recession fears increase and the US trade wars ramp...
Read MoreWhy offshore investing is the right move for retirees
This article originally appeared in the Sydney Morning Herald. Most Australian retirees would admit they...
Read MoreFive reasons why the $A may be close to the bottom
Key points In the absence of significant fiscal stimulus soon, further RBA monetary easing both...
Read More5 easy ways to save money by going green
Saving the planet isn’t the only reason to go green. Using less energy and fewer...
Read MoreYour 5 step plan for a life of good mental health
Anxiety, stress and depression can rob you of life’s pleasures. Use these simple moves to...
Read MoreNew rules on insurance through super
A new law started on 1 July 2019 which requires us to cancel insurance cover...
Read MoreAre you as financially savvy as you think you are?
Make your money work harder for you with our myth-busting guide to finance. How many...
Read MoreWhy super and growth assets like shares really are long-term investments
Key points While growth assets like shares go through bouts of short-term underperformance versus bonds...
Read MoreNewsletter – 18th October 2019
Dear Sir/Madam, September has been and gone and we are nearly through October! 9 working...
Read MoreNewsletter – 29th Aug 2019
Dear Sir/Madam, Once again, not a lot to report from our office since our last...
Read MoreNewsletter – 12th Jul 2019
Dear Sir/Madam, Not a lot to report from the office since our last newsletter. We...
Read MoreDon’t fight the Fed… or the ECB or RBA
Key points The ECB and the Fed now clearly look to be heading towards monetary...
Read MoreAustralian growth will be constrained but here’s nine reasons why recession is unlikely
Key points Australian growth is likely to be weak over the next year or so...
Read MoreThe $A still has more downside, but a lot of the weakness is behind us
Key points The Australian dollar likely faces more downside as Australian growth is weaker than...
Read MoreNewsletter – 17th Jun 2019
Dear Sir/Madam, Another enjoyable golf day but with a change of venue resulted in a...
Read MoreThe nine most important things I have learnt about investing over the past 35 years
Key point My nine most important lessons from investing over the past 35 years are...
Read MoreShould you and your partner retire at the same time?
It’s one of those curious questions people rarely ponder before the time draws uncomfortably near:...
Read MoreSo how much do we really need to retire?
There’s been a lot of pretty scary “information” come out about the insane amounts of...
Read MoreRBA cuts rates to a new record low
Key points The RBA’s latest rate cut is aimed at heading off a further slowing...
Read MoreHow do you plan for an uncertain future?
By MLC The problem with the good times is that they make it easy to...
Read MoreAustralian house prices getting closer to the bottom, but don’t expect a return to boom time conditions
Key points The combination of the removal of the threat to property tax concessions, earlier...
Read MoreAussies making a slow transition to retirement
This article originally appeared in The Australian Retirement used to be a clearly demarcated milestone...
Read MoreWorry, wellbeing and why more of us work later in life
Dean Pearson, Head of Behavioural & Industry Economics, MLC Ill health, job loss and family...
Read MoreAgeing is old hat for baby boomers
This article originally appeared in The Australian There was a time, not so long ago,...
Read MoreThe trade war is back – what went wrong, what it means for share markets and Australia
Key points The trade war between the US and China has returned after talks to...
Read MoreNewsletter – 7th May 2019
Dear Sir/Madam, Only 11 days till the Federal election and we won’t have to...
Read More2029’s four major retirement tribes and their aims
This article originally appeared in The Australian By 2029, the last baby-boomer (born 1946-63) will...
Read MoreRich and invisible lives of over-55s
This article originally appeared in The Australian Google the term “over-55s” and up will pop...
Read MoreIt’s time to rethink retirement for an ageing population
Dean Pearson, Head of Behavioural & Industry Economics, MLC, part of the NAB Group. It...
Read MoreSeasonal patterns in shares – should we “sell in May and go away” and what about renewed trade war fears?
Key points Seasonal patterns typically see shares do well from around November to May and...
Read MoreInflation undershoots in Australia – why it’s a concern, is the RBA running out of ammo & what it means for investors?
Key points Surprisingly low inflation in Australia has increased the pressure on the RBA to...
Read MoreManaging your pension in volatile markets
Sinead Rafferty, Portfolio Specialist, MLC The severe falls in global share markets in late 2018,...
Read MoreNavigating redundancy: make it work for you
Redundancy unfortunately affects more and more Australians. With the right approach and professional advice, however,...
Read MoreEstate planning: what your will doesn’t cover
Most of us think of estate planning as simply writing a will. However, ensuring your...
Read MorePlan ahead for the aged care you want, for your parents
Helping parents make the transition into supported living can be challenging, but forward planning and...
Read More5 ways to take control of your money
Five ways to take control of your money, grow your wealth and start enjoying financial...
Read More10 habits of highly successful homebuyers
Ready to take the leap into home ownership? It’s worth doing your homework first. Buying...
Read MoreStay covered with your insurance in super
Nobody plans to have a serious accident or illness. But if it happens, you may...
Read MoreComing into an inheritance: key considerations
The death of a parent can be a hugely distressing time. It may also mean...
Read MoreNewsletter – 12th Apr 2019
Dear Sir/Madam, This year is passing us by too quickly and Easter is upon us...
Read More“Millennial socialism” and the swing of the political pendulum back to the left – what it means for investors
Key points Growing support for higher taxes on the rich and greater government intervention in...
Read MoreNewsletter – 15th Mar 2019
Dear Sir/Madam, We are a little busy this month, hence the tardiness of our newsletter!...
Read MoreEmpowering women to own their finances
Money is still a taboo topic of conversation. Although we live in a world where...
Read MoreAustralia slides into a “per capita recession”
Key points Australian growth slowed even more in the December quarter. Growth may bounce back...
Read MoreFive great charts on investing – why they are particularly important now
Key points Successful investing should be simple but increasing rules, regulations, choices and social media...
Read MoreWhy growth in China is unlikely to slow too far and why it needs to save less and spend more
Key points China’s economy is slowing but not collapsing as the services sector holds up....
Read MoreNewsletter – 7th Feb 2019
Dear Sir/Madam, Happy (belated) New Year to all of our clients! The office is...
Read MoreAustralian housing downturn Q&A – how bad will it get?
Key points Australian home prices are likely to fall another 5-10% this year driven by...
Read MoreThe 2018 year in review: a confident start but a volatile finish
John Owen, Portfolio Specialist, NAB Asset Management A challenging year for investors, with rising uncertainty...
Read MoreHow to diversify when investing in bonds no longer works
Bonds have traditionally helped diversify the risk of shares because bond and share prices tend...
Read MoreNewsletter – 18th Dec 2018
Dear Emma , Christmas is nearly upon us and we have been very busy...
Read MoreThe Australian economy in 2019 – house prices, growth and interest rates
Key points Australian growth has slowed again. The housing cycle downturn and its impact on...
Read MoreShould you borrow to invest in shares or property?
Experts discuss the pros and cons of borrowing to invest in property or shares At...
Read MoreDealing with a serious health issue
Planning carefully and working through the issues can help if you or your partner experiences...
Read MoreEight ways to boost your fitness in retirement
It’s time to put physical fitness at the top of your priority list and start...
Read MoreWhat does the recent market volatility mean for investors?
Portfolio Specialist John Owen discusses what’s causing the current market volatility and how MLC is...
Read MoreHow to transition to retirement
Find out how to transition into retirement easily We’ve given you a few tips to...
Read MoreReview of 2018, outlook for 2019 – another cycle extension
Key points 2018 saw reasonable global economic and profit growth and still low interest rates...
Read MoreCorrections, gummy bears and grizzly bears in shares
Key points The pullback in shares could still have further to go but a deep...
Read More13 common sense tips to help manage your finances
Key points Getting your personal finances right can be a challenge. Here are 13 tips...
Read MoreRising US interest rates, trade wars, the US midterm election results, etc – should investors be worried?
Key points It’s still too early to be sure that last month’s pullback in shares...
Read MoreNewsletter – 2nd Nov 2018
Dear Sir/Madam, After being away at a conference in South Australia, Rod is back on...
Read MoreAre shares expensive?
Key points Starting point valuations for shares matter a lot in terms of medium-term return...
Read MoreBoom turns to bust – falling Australian home prices. How far and for how long and what’s the impact on the economy?
Key points Property prices in Sydney and Melbourne are likely to see top to bottom...
Read MoreThe pullback in shares – seven things investors need to keep in mind
Key points The current pullback in shares has been triggered by a range of things...
Read MoreSuccessful investing despite 115 million worries and Truth Decay – how to turn down the noise
Key points A surge in financial information and opinion combined with our inclination to focus...
Read MoreNewsletter – 4th Oct 2018
Dear Emma , There isn’t a lot to report from the office this month. We...
Read MoreLost in your career? The Japanese concept of Ikigai could help
If you’ve lost your passion for work, Ikigai might help you re-discover it. What’s the...
Read MoreFive charts to keep an eye on regarding the global economy
Key points Whether a recession is imminent or not in the US, and more broadly...
Read MoreIn the Media: Financial Services Royal Commission
Financial advice and superannuation have been closely examined in the ongoing Financial Services Royal Commission....
Read MoreSeven lessons from the Global Financial Crisis for investors
Key points The key lessons for investors from the Global Financial Crisis (GFC) are that:...
Read MoreNewsletter – 7th Sep 2018
Dear Sir/Madam, In office news, Monica is still slowly recovering from her recent surgery and...
Read MoreFive things you need to know about the Australian economy
Key points The Australian economy grew solidly over the last year. While recession remains very...
Read MoreFreelancing or in a startup? Here’s five ways to look after your super
Now that the government has tightened up the amount of money you can get into...
Read MoreThe Twilight Zone with Trump, Trade Wars and Turkey
Bob Cunneen Senior Economist & Portfolio Specialist The calendar year is coming to a close...
Read MoreRoyal Commission Hearings: Round 5 – Superannuation
The fifth round of Royal Commission public hearings was held Monday 6 August to Friday...
Read MoreNewsletter – 10th Aug 2018
Dear Sir/Madam, In office news, Rod has returned to work following his hip operation at...
Read MoreInfographic: 2017-2018 financial year in review
Take a visual tour of markets during the 2017-2018 financial year - a good year...
Read MoreTrumponomics and investment markets
Key points So far President Trump has been positive for share markets but this year...
Read MoreWinning gold against the odds
Empowered by family support, track cyclist Scott McGrory overcame personal tragedy to win gold against...
Read MoreThe US economy – does the flattening yield curve indicate recession is imminent?
Key points If you are worried about a major bear market, the US economy is...
Read More2017-18 saw strong returns for diversified investors – but there’s a few storm clouds around
Key points 2017-18 saw strong returns for diversified investors, but it was a story of...
Read MoreNewsletter — 2nd July 2018
Dear Sir/Madam, Happy New Financial Year! Hi there!! It’s been a busy few weeks since...
Read MoreShould the RBA raise rates to prepare households for higher global rates?
Key Points The RBA should avoid calls to raise interest rates prematurely just to prepare...
Read MoreAll set for the new financial year?
Making plans for the new financial year will help set you up for the next...
Read MoreUsing failure to fuel your future success
To help us grow, sometimes we have to overcome our fear of failing – with...
Read MoreTrade war risks are escalating – but a negotiated solution remains most likely
Key Points US actions in recent weeks have increased the risk of a full-blown trade...
Read MorePutting the global “debt bomb” in perspective – seven reasons to be alert but not alarmed
Key Points Global debt levels have reached new records. Countries with very high gross debt...
Read MoreYour 7-point guide to the First Home Super Saver scheme
The First Home Super Saver (FHSS) scheme may allow you to save more money to...
Read MoreNewsletter — 12th June 2018
Dear Emma , June is here!! Hi there!! Over the last couple of years quite...
Read MoreNewsletter — 14th May 2018
Dear Emma , Hi all! Our newsletter is a little delayed this month as we...
Read MoreMaking the most of rental and holiday properties
Given increasing government focus, now’s the time for investors to be more savvy about their...
Read MorePutting the ‘I’ in education: why we’re investing in disrupting the education system in China
Alicia Gregory, Head of Private Equity, MLC For millions of mainland Chinese students, long days...
Read MoreChina’s economy is pretty stable – but what about high debt levels and other risks?
Key points Chinese economic growth has been stable since 2016 at around 6.8%. Expect Chinese...
Read MoreGolf Day Rundown – 2017
The Total Wealth Management $10,000 hole in one tournament supporting Team J & J to...
Read MoreAdvice for 20 year olds and Investing
AMP have put together a great article where they have asked a number of leading...
Read MoreWhat Does Tennis Have to do With Wealth Creation?
How following the strategies of a tennis champion can make you Wealthy How did Roger...
Read MoreWhat Value do you Put on Planning for Retirement?
We often come across people who know they should be thinking about the future, but...
Read MoreWhat’s the difference between Health Insurance, Income Protection and Trauma Insurance?
We speak to a lot of people about insurance and they often don’t understand the...
Read MoreYou Get What You Pay For With Financial Advice
In this 3-part blog series on financial advice, we look at the why it is...
Read MoreUnderstanding the Value of Advice- Why Get a Financial Adviser?
For those who have never engaged the services of a financial adviser it can be...
Read MoreWhat is Income Protection?
As part of delivering advice to clients we are frequently asked about the various insurance...
Read MoreThe Age Pension is No Holiday
I took a holiday a few weeks back and while checking my emails I saw...
Read MoreWhat exactly does a financial adviser do?
One of the main reasons that most ordinary Australians don’t approach a financial adviser to...
Read MoreIs it worth getting financial advice?
In short, a Financial Adviser can give you the right financial advice once they take...
Read More4 Great Reasons to Buy a Car NOW
Here are four great reasons to buy a car now. Can finance and affordability has...
Read MoreWhat can a financial adviser do for me?
You might be saying to yourself; • I don’t have enough money or assets to...
Read MoreTWM Golf day to raise funds for The Leukemia Foundation
Total Wealth Management $10,000 hole in one Golf Day for Team J and J raising...
Read MoreFinancing your asset purchases
For most businesses, the decision for financing your asset purchases is very clear cut as it...
Read MoreHealth Insurance in a Word: OUCH!
Health insurance premiums will go up – again - on April 1st, between five and...
Read MoreBanking on your misguided loyality
If you have been banking with your current lender for more then 10 years, then...
Read MoreWhat is Investment Yield?
What is an investment yield? The yield an investment provides is basically its annual cash...
Read More2016 Investment Themes
2016 has started with many of the same fears/investment themes as seen in 2015. This...
Read MoreRenting VS Buying, it’s quite simple really!
To help answer the renting VS buying question, I will never forget the feeling of...
Read MoreFinancial Goals
What financial goals will you achieve by 2020? Research shows that financially successful people are...
Read MoreGEN-Y – Redefining the Australian Dream
GEN-Y are redefining the Australian Dream because the Australian dream was simple when our parents...
Read MoreFinancial Outlook for 2016
2015 has seen another long worry list for investors and this poses the question of...
Read MoreTotal Wealth Management Office Relocation
After 7 years at the Ipswich Corporate Centre, Rod has finally decided to relocate our...
Read MoreInvestment information overload
The technology revolution has made it easier and easier to track our investments, and perhaps...
Read MoreHas low investment growth settled in?
Global investment growth has been sub-par and is likely to remain so for a while...
Read MoreWhat stage of the Investment Cycle are we in?
A major concern for many involved in investing is our location in the investment cycle....
Read MoreThe Home Prices And Interest Rates Of Australia
It comes as no shock to hear that Australian properties are overvalued. The Reserve Bank...
Read MoreRecent downturn in the stock market
While investors have been busy arguing about whether or not we are due for a...
Read More