CPD: The employee engagement imperative for financial advice practices

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Happy staff, happy clients, happy shareholders A company’s biggest asset – as the saying goes – is its people. It’s a truism that applies equally to the largest corporations and the smallest suburban businesses. Despite this, many smaller business owners often see the formal process of people (HR) management as something that is not only... Read more

CPD: Financial consumer protection – part 3 – adviser priority checklist and calendar

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In a continuation of our series on Financial Consumer Protection, this article examines the latest raft of regulatory changes that will impact – directly and indirectly – financial advisers from 2021 onwards. Self-licensed advisers in particular may find themselves surprised about how much work is involved in meeting their new obligations, with the devil –... Read more

CPD: Addressing the carbon exposure of your investments

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Real world implementation options for investors looking to manage their equity portfolio carbon exposures The first piece in our ‘Climate change and investment portfolios’ series  focused on the measurement of a company’s carbon exposure.[1] In this paper we turn to actionable carbon management strategies available for investors. Fossil fuel reserves and greenhouse gas (GHG) emission... Read more

CPD: Long/short investing – a strategy to capture equity market exuberance

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What is a long/short strategy? A long/short equity strategy is designed to take advantage of the upside of markets, while minimising potential downside risks. The strategy seeks to profit from share price appreciation in its long positions and price declines in its short positions and aims to provide investors with returns that beat the benchmark,... Read more

CPD: Client engagement in the new world – Adviser toolkit

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Client engagement – it’s time for new tools Financial advisers have been dissecting the topic of client engagement for decades, and with good reason; client engagement is the bedrock of effective and sustainable adviser/client partnerships, and those who crack the code can enjoy spectacular business success and rewarding relationships. But while some fundamental aspects of... Read more

CPD: What is Outsourced CIO?

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Outsourced CIO stands for outsourced chief investment officer, or, more broadly, outsourced investment management. The term refers to the full or partial outsourcing of a financial planner’s investment function to a third party. In most cases, the third party is an asset management firm or investment consultant. In delegating investment tasks to a third party,... Read more

CPD: Financial consumer protection – part 2 – the art of the conversation (having, recording, storing, using, protecting)

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If the essence of the financial adviser/client relationship is trusted conversations, then the way the outcomes of those conversations are recorded, secured, and shared, is of paramount importance. Protecting clients’ interests through the management of their personal information is one of the core consumer protection pillars across any business sector. In the context of financial... Read more

CPD: Six reasons to not worry about inflation

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It’s that time in the cycle again. US bond markets and commentors are worried about inflation. But with US unemployment at 6.2%, should this be a concern? Before we begin, let’s define what we are actually discussing. Rising prices are a pre-condition for what we define as inflation; but this isn’t the only condition. Inflation... Read more

CPD: The benefit to investors of buying real assets through fractional investment

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Covid highlights the retiree dilemma If you are looking for one word to describe 2020, volatility would seem to fit the bill. Every aspect of our lives, whether it be financially, socially, or work, was like a roller coaster ride. Into lockdown, out of lockdown, especially in Victoria. Often isolated from family or close friends.... Read more

CPD: Ethics and SMSFs

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It was 1999 when self-managed superannuation funds (SMSFs) first became part of Australia’s superannuation landscape. Over the following twenty plus years, SMSFs have become a significant part of Australia’s $3 trillion[1] superannuation sector, with $766 billion in assets at end 2020, representing one quarter of the total super sector. Bound by an array of rules... Read more