CPD: Too Lowe for zero?

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October saw the Reserve Bank of Australia (RBA) cut interest rates to 0.75%, the third cash rate cut in only five months. The last time we saw the RBA move this quickly was 2011/2012; approximately 12 months after it completed its 2010 hiking cycle in the midst of the European debt crisis.     In […]

CPD: Ethics and financial abuse – responsibilities and strategies for financial advisers

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It’s hard to imagine, but statistics show up to 10 per cent of older Australians experience elder abuse. This may be financial, legal, emotional, physical or plain neglect. Sadly, much of this abuse hidden in families, where the majority of perpetrators lurk, and victims don’t know how to stop it. Financial abuse of elders is […]

CPD: Asset allocation – the driver of portfolio returns

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Modern Portfolio Theory, pioneered by Harry Markowitz in 1952, introduced investors to the risk/return trade-off. It focused on how investors can construct a portfolio to maximise expected return for a given level of risk. This allocation of money into investible assets has evolved over time to become an integral part of investing. This article will […]

CPD: Estate planning – overcoming client objections

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Financial advisers are ideally positioned to initiate and project manage the process of implementing an estate plan. Unfortunately, there are those clients who don’t believe they need an estate plan or feel that having made a Will is sufficient to protection for their estate. In this article by Zurich, common objections – and possible responses […]

CPD: Estate planning – where there’s a Will there’s a way

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Often, when people think of estate planning, they focus on the consequences following death. As a result, they often do not appreciate that there are many documents which need to be properly drafted as part of their estate planning. Of those, the Will is a key document, along with Powers of Attorney, and Testamentary Trusts. […]

CPD: Beyond the conflict, we see solutions

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It has been 50 years since the start of what is locally called ‘The Troubles’—a civil war in Northern Ireland that over a 30-year period lead to the death of over 3,500 people and injured or killed just under 2% of the population. Northern Ireland is where Johnny Russell, portfolio manager, Nikko AM global equity […]

CPD: Welcome aboard – the importance of nurturing new client relationships (Part two)

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In the first part of this series on client onboarding, Zurich Australia examined the reasons to develop and maintain a sound client onboarding process and looked at the first three steps to develop or redefine a client onboarding process. In this second part, we explore further practical steps you can take to either formulate a […]

CPD: Blitzscale and hope – unicorns, IPOs and the fear of repeating the late 1990s

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The current hype about two-sided digital platforms, blitzscaling and winner-takes-most markets has fuelled a surge in IPO listings. It is perhaps unsurprising that this exuberance, especially when combined with inordinate liquidity, record levels of VC activity and multiple fundraising rounds, has often produced stratospheric valuations that are difficult to reconcile with free-cash-flow (FCF) fundamentals. As […]

CPD: Welcome aboard – the importance of nurturing new client relationships (Part one)

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Client onboarding is all about making each new client front and centre in welcoming them to your practice. In this article, the first of a two-part series, Zurich Australia will explore the many good reasons to develop a sound client onboarding process. Part two will explore practical strategies to either formulate or redefine your onboarding […]

CPD: Circumventing ‘flat earth’ market thinking

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GSFM recently hosted fixed income specialists Payden & Rygel, who addressed advisers around the country. The presentation took a different view to the general bond market approach; instead it looked at how to avoid ‘flat earth’ thinking and related this to the world of investment. In other words, how not to follow the wrong crowd […]