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Australian Pensions

Posted by on Jul 4, 2017 in Dianne's Blog, Latest News | 0 comments

Australia has had many changes to the Old Age Pension over the years and probably will continue to do so for more years to come. Ling Wang from Financial Standards writes a very good article around the progress of the pension right up to the new rules coming in in the near...

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Portfolio Diversification

Posted by on Mar 8, 2017 in Latest News | 2 comments

This is a good article written by Chamath De Silva. Enjoy! Portfolio Diversification II: The importance of fine-tuning BY CHAMATH DE SILVA | 7 March 2017 SHARE Last year I addressed the concept of portfolio diversification and how we can assess it quantitatively through the use of return correlations. Just to recap: Correlation refers to the strength of the co-movement between two assets or portfolios (ranging from -1.0 or perfect negative correlation to +1.0 or perfect positive correlation) Diversification benefits – where we can lower the return volatility for a given expected...

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The Cash Rate Reduction and Your Portfolio

Posted by on Aug 22, 2016 in Dianne's Blog, Latest News | 0 comments

by AMP Capital on 19 Aug 2016 in NEWS Following the RBA cash rate cut in August to 0.5%, the lowest its ever been, its important for SMSF investors to understand the implications for their investment portfolio.   In August the Reserve Bank of Australia (RBA) followed up its May cut to the cash rate with a further 0.25%reduction, bringing the rate to 0.5%, the lowest it has ever been. This has implications for investment portfolios, as a change to the cash rate has consequences for all asset classes, making some relatively more attractive and some relatively less attractive. It’s...

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Real estate: the long view

Posted by on Jul 19, 2016 in Dianne's Blog, Latest News | 0 comments

The returns of both listed and unlisted real estate are driven by variables such as rent, capitalisation rates, capital expenditure schedules and tenant covenants.   There is a view that the returns and diversification benefits listed real estate delivers are the same as physically owning the asset. Here, we explore this view and review the role of real estate in a portfolio at this point in the market cycle, looking at US assets in particular given this is the world’s deepest market. The correlation of returns between listed and direct real estate increases as the investment horizon...

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How Do I Drive Income With My SMSF?

Posted by on Jun 7, 2016 in Dianne's Blog, Latest News | 0 comments

                Depending on what stage you are in: accumulation or pension, the answers will vary. Needless to say that such an issue would consume some serious time, especially now with changes to legislation. AMP Capital provide a lot of good information in the article, attached. Click on the hyperlink and enjoy...

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Defensive investing – the risks retirees may not have considered

Posted by on May 11, 2016 in Latest News | 0 comments

Volatility in investment markets has spiked on several occasions during the past 12 months, fueling deterioration in sentiment towards growth assets. This has again brought the focus on investment risk to the forefront of investors’ minds and threatens to increase the propensity for clients to make decisions based on emotion rather than analysis. It is important to be aware that moving too heavily toward defensive investment strategies can create its own danger, increasing the likelihood of not achieving long-term goals. Investments such as cash and term deposits provide respite during...

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