Don’t fight the Fed… or the ECB or RBA

Don’t fight the Fed… or the ECB or RBA

Inhouse News
Key points The ECB and the Fed now clearly look to be heading towards monetary...
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Australian growth will be constrained but here’s nine reasons why recession is unlikely

Australian growth will be constrained...

Inhouse News
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 lot of the weakness is behind us

The $A still has more downside, but a...

Inhouse News
Key points The Australian dollar likely faces more downside as Australian growth is weaker than...
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The nine most important things I have learnt about investing over the past 35 years

The nine most important things I have...

Inhouse News
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 the same time?

Should you and your partner retire at...

Inhouse News
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?

So how much do we really need to retire?

Inhouse News
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

RBA cuts rates to a new record low

Inhouse News
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?

How do you plan for an uncertain future?

Mortgage Finance
By MLC The problem with the good times is that they make it easy to...
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Australian house prices getting closer to the bottom, but don’t expect a return to boom time conditions

Australian house prices getting close...

Inhouse News
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 retirement

Aussies making a slow transition to r...

Mortgage Finance
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 work later in life

Worry, wellbeing and why more of us w...

Inhouse News
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

Ageing is old hat for baby boomers

Inhouse News
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 wrong, what it means for share markets and Australia

The trade war is back – what went wro...

Inhouse News
Key points The trade war between the US and China has returned after talks to...
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2029’s four major retirement tribes and their aims

2029’s four major retirement tribes a...

Inhouse News
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

Rich and invisible lives of over-55s

Inhouse News
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 for an ageing population

It’s time to rethink retirement...

Inhouse News
Dean Pearson, Head of Behavioural & Industry Economics, MLC, part of the NAB Group. It...
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Seasonal patterns in shares – should we “sell in May and go away” and what about renewed trade war fears?

Seasonal patterns in shares – should ...

Inhouse News
Key points Seasonal patterns typically see shares do well from around November to May and...
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Inflation undershoots in Australia – why it’s a concern, is the RBA running out of ammo & what it means for investors?

Inflation undershoots in Australia – ...

Inhouse News
Key points Surprisingly low inflation in Australia has increased the pressure on the RBA to...
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Managing your pension in volatile markets

Managing your pension in volatile mar...

Inhouse News
Sinead Rafferty, Portfolio Specialist, MLC The severe falls in global share markets in late 2018,...
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Navigating redundancy: make it work for you

Navigating redundancy: make it work f...

Inhouse News
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’t cover

Estate planning: what your will doesn...

Inhouse News
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, for your parents

Plan ahead for the aged care you want...

Inhouse News
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

5 ways to take control of your money

Inhouse News
Five ways to take control of your money, grow your wealth and start enjoying financial...
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10 habits of highly successful homebuyers

10 habits of highly successful homebu...

Inhouse News
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 super

Stay covered with your insurance in s...

Inhouse News
Nobody plans to have a serious accident or illness. But if it happens, you may...
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Coming into an inheritance: key considerations

Coming into an inheritance: key consi...

Inhouse News
The death of a parent can be a hugely distressing time. It may also mean...
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“Millennial socialism” and the swing of the political pendulum back to the left – what it means for investors

“Millennial socialism” and the swing ...

Inhouse News
Key points Growing support for higher taxes on the rich and greater government intervention in...
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Empowering women to own their finances

Empowering women to own their finances

Mortgage Finance
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 recession”

Australia slides into a “per capita r...

Inhouse News
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 they are particularly important now

Five great charts on investing – why ...

Inhouse News
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 slow too far and why it needs to save less and spend more

Why growth in China is unlikely to sl...

Inhouse News
Key points China’s economy is slowing but not collapsing as the services sector holds up....
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Newsletter – 7th Feb 2019

Newsletter – 7th Feb 2019

Newsletter
Dear Sir/Madam,   Happy (belated) New Year to all of our clients! The office is...
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Australian housing downturn Q&A – how bad will it get?

Australian housing downturn Q&A ...

Inhouse News
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 start but a volatile finish

The 2018 year in review: a confident ...

Inhouse News
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 bonds no longer works

How to diversify when investing in bo...

Mortgage Finance
Bonds have traditionally helped diversify the risk of shares because bond and share prices tend...
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Newsletter – 18th Dec 2018

Newsletter – 18th Dec 2018

Newsletter
Dear Emma ,   Christmas is nearly upon us and we have been very busy...
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The Australian economy in 2019 – house prices, growth and interest rates

The Australian economy in 2019 – hous...

Inhouse News
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 or property?

Should you borrow to invest in shares...

Inhouse News
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

Dealing with a serious health issue

Inhouse News
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 retirement

Eight ways to boost your fitness in r...

Inhouse News
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 volatility mean for investors?

What does the recent market volatilit...

Inhouse News
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

How to transition to retirement

Inhouse News
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 – another cycle extension

Review of 2018, outlook for 2019 – an...

Inhouse News
Key points 2018 saw reasonable global economic and profit growth and still low interest rates...
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Corrections, gummy bears and grizzly bears in shares

Corrections, gummy bears and grizzly ...

Inhouse News
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 your finances

13 common sense tips to help manage y...

Inhouse News
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, the US midterm election results, etc – should investors be worried?

Rising US interest rates, trade wars,...

Inhouse News
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

Newsletter – 2nd Nov 2018

Newsletter
Dear Sir/Madam, After being away at a conference in South Australia, Rod is back on...
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Are shares expensive?

Are shares expensive?

Inhouse News
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 Australian home prices. How far and for how long and what’s the impact on the economy?

Boom turns to bust – falling Australi...

Inhouse News
Key points Property prices in Sydney and Melbourne are likely to see top to bottom...
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The pullback in shares – seven things investors need to keep in mind

The pullback in shares – seven ...

Inhouse News
Key points The current pullback in shares has been triggered by a range of things...
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Successful investing despite 115 million worries and Truth Decay – how to turn down the noise

Successful investing despite 115 mill...

Inhouse News
Key points A surge in financial information and opinion combined with our inclination to focus...
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Newsletter – 4th Oct 2018

Newsletter – 4th Oct 2018

Newsletter
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 concept of Ikigai could help

Lost in your career? The Japanese con...

Inhouse News
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 regarding the global economy

Five charts to keep an eye on regardi...

Inhouse News
Key points Whether a recession is imminent or not in the US, and more broadly...
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In the Media: Financial Services Royal Commission

In the Media: Financial Services Roya...

Inhouse News
Financial advice and superannuation have been closely examined in the ongoing Financial Services Royal Commission....
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Seven lessons from the Global Financial Crisis for investors

Seven lessons from the Global Financi...

Inhouse News
Key points The key lessons for investors from the Global Financial Crisis (GFC) are that:...
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Newsletter – 7th Sep 2018

Newsletter – 7th Sep 2018

Newsletter
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 the Australian economy

Five things you need to know about th...

Inhouse News
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 five ways to look after your super

Freelancing or in a startup? Here’s f...

Mortgage Finance
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 Wars and Turkey

The Twilight Zone with Trump, Trade W...

Inhouse News
Bob Cunneen Senior Economist & Portfolio Specialist The calendar year is coming to a close...
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Royal Commission Hearings: Round 5 – Superannuation

Royal Commission Hearings: Round 5 – ...

Inhouse News
The fifth round of Royal Commission public hearings was held Monday 6 August to Friday...
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Newsletter – 10th Aug 2018

Newsletter – 10th Aug 2018

Newsletter
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 in review

Infographic: 2017-2018 financial year...

Inhouse News
Take a visual tour of markets during the 2017-2018 financial year - a good year...
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Trumponomics and investment markets

Trumponomics and investment markets

Investment
Key points So far President Trump has been positive for share markets but this year...
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Winning gold against the odds

Winning gold against the odds

Inhouse News
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 yield curve indicate recession is imminent?

The US economy – does the flattening ...

Inhouse News
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 diversified investors – but there’s a few storm clouds around

2017-18 saw strong returns for divers...

Investment
Key points 2017-18 saw strong returns for diversified investors, but it was a story of...
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Newsletter — 2nd July 2018

Newsletter — 2nd July 2018

Newsletter
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 households for higher global rates?

Should the RBA raise rates to prepare...

Investment
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?

All set for the new financial year?

Financial Advice
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 success

Using failure to fuel your future suc...

Financial Advice
To help us grow, sometimes we have to overcome our fear of failing – with...
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Trade war risks are escalating – but a negotiated solution remains most likely

Trade war risks are escalating – but ...

Investment
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 perspective – seven reasons to be alert but not alarmed

Putting the global “debt bomb” in per...

Financial Advice
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 Super Saver scheme

Your 7-point guide to the First Home ...

Financial Advice
The First Home Super Saver (FHSS) scheme may allow you to save more money to...
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Newsletter — 12th June 2018

Newsletter — 12th June 2018

Newsletter
Dear Emma , June is here!! Hi there!! Over the last couple of years quite...
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Newsletter — 14th May 2018

Newsletter — 14th May 2018

Newsletter
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 properties

Making the most of rental and holiday...

Investment
Given increasing government focus, now’s the time for investors to be more savvy about their...
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Putting the ‘I’ in education: why we’re investing in disrupting the education system in China

Putting the ‘I’ in educat...

Investment
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 – but what about high debt levels and other risks?

China’s economy is pretty stable – bu...

Inhouse News
 Key points Chinese economic growth has been stable since 2016 at around 6.8%. Expect Chinese...
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Golf Day Rundown – 2017

Golf Day Rundown – 2017

Mortgage Finance
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

Advice for 20 year olds and Investing

Mortgage Finance
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 Wealth Creation?

What Does Tennis Have to do With Weal...

Financial Advice
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 Retirement?

What Value do you Put on Planning for...

Financial Advice
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 Insurance, Income Protection and Trauma Insurance?

What’s the difference between Health ...

Financial Advice
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 Financial Advice

You Get What You Pay For With Financi...

Financial Advice
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- Why Get a Financial Adviser?

Understanding the Value of Advice- Wh...

Mortgage Finance
For those who have never engaged the services of a financial adviser it can be...
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What is Income Protection?

What is Income Protection?

Financial Advice
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

The Age Pension is No Holiday

Mortgage Finance
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 do?

What exactly does a financial adviser...

Financial Advice
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?

Is it worth getting financial advice?

Financial Advice
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

4 Great Reasons to Buy a Car NOW

Financial Advice
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?

What can a financial adviser do for me?

Financial Advice
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 Leukemia Foundation

TWM Golf day to raise funds for The L...

Mortgage Finance
Total Wealth Management $10,000 hole in one Golf Day for Team J and J  raising...
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Financing your asset purchases

Financing your asset purchases

Investment Mortgage Finance
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!

Health Insurance in a Word: OUCH!

Inhouse News
Health insurance premiums will go up – again - on April 1st, between five and...
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Banking on your misguided loyality

Banking on your misguided loyality

Investment
If you have been banking with your current lender for more then 10 years, then...
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What is Investment Yield?

What is Investment Yield?

Investment
What is an investment yield? The yield an investment provides is basically its annual cash...
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2016 Investment Themes

2016 Investment Themes

Investment
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 simple really!

Renting VS Buying, it’s quite s...

Investment Mortgage Finance
To help answer the renting VS buying question, I will never forget the feeling of...
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Financial Goals

Financial Goals

Investment
What financial goals will you achieve by 2020? Research shows that financially successful people are...
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GEN-Y – Redefining the Australian Dream

GEN-Y – Redefining the Australi...

Investment
GEN-Y are redefining the Australian Dream because the Australian dream was simple when our parents...
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Financial Outlook for 2016

Financial Outlook for 2016

Investment
2015 has seen another long worry list for investors and this poses the question of...
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Total Wealth Management Office Relocation

Total Wealth Management Office Reloca...

Inhouse News
After 7 years at the Ipswich Corporate Centre, Rod has finally decided to relocate our...
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Investment information overload

Investment information overload

Investment
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?

Has low investment growth settled in?

Investment
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 are we in?

What stage of the Investment Cycle ar...

Newsletter
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 Australia

The Home Prices And Interest Rates Of...

Newsletter
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

Newsletter
While investors have been busy arguing about whether or not we are due for a...
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