CPD: Rural property – the next investment frontier?

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In this article DomaCom examines the case for investing in rural property and looks at how investors can invest in this pandemic-proof sector at a time of steeply appreciating land values It’s not just city dwellers that are amazed – or in some cases bemused – about the resilience of the Australian property market. Farmers... Read more

CPD: Message understood? Key considerations and steps when providing financial advice to vulnerable clients

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Introduction Amidst an overall increased media and regulator focus on financial consumer protection, especially post the Hayne Royal Commission, the spotlight on ‘vulnerable’ financial consumers has become especially intense. Our population is ageing and becoming more culturally diverse at a time when financial products remain as complex as ever, and as we stand on the... Read more

CPD: Impact investing and SDGs – a client conversation primer

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Introduction Since the start of 2020, investment markets around the world have experienced a surge of activity. But while most headlines focused on the influx of boredom-fuelled retail investors into equity markets, other investment categories have also witnessed a growth in interest and activity. One such category is the impact investing market, which has continued... Read more

CPD: Ethics and design and distribution obligations

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The Design and Distribution Obligations (DDO) legislation, as detailed in ASIC’s Regulatory Guide 274 Product Design and Distribution Obligations, comes into effect on 5 October 2021. This article, proudly sponsored by GSFM, examines how ethics (and FASEA’s Code of Ethics) intersect with DDO obligations. The Treasury Laws Amendment (Design and Distribution Obligations and Product intervention... Read more

CPD: A new advice model to protect financial consumers – when Do-it-yourself becomes Do-it-together

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Australian investors are having a Bunnings moment. Lured not by a cheeky sausage sandwich between meals, but by a sharemarket that continues to defy gravity, our love of DIY is now being channelled into investing, as record numbers of Australians join the ‘Robinhood revolution’ and become investors for the first time. Echoing overseas trends –... Read more

CPD: Commercialising a therapeutic approach to financial advice

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In an earlier article, Why are you so happy? Explaining the wellbeing effects of financial advice, we examined the ways financial advice – and the financial advice process itself – can improve the mental wellbeing of clients. This wellbeing effect was found to be particularly strong when the client/adviser relationship extended beyond a purely financial... Read more

CPD: Happy 40th! Why Millennials are no longer the future of financial advice – they are the present

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Introduction In an earlier article in this series, we discussed client segmentation, examining the many different ways segmenting clients and target markets can improve client engagement, efficiency, and practice profitability. In this article, we commence a deeper exploration of specific client segments, shining a spotlight on Millennials (also known as Gen Y). Still considered by... Read more

CPD: From junky to juicy – The case for high-yield bonds

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This article by the economics team at fixed income specialists Payden & Rygel – one of GSFM’s investment partners – takes a deep dive into high yield bonds and examines the investment case for investing in this asset class. Are bonds dead? With US Treasury yields hovering near generational lows and some developed sovereign bond... Read more

CPD: Why are you so happy? The wellbeing effects of financial advice and what they mean for Advisers

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Fact: People who have received financial advice are happier than those who haven’t. You wouldn’t know it – given the media’s laser-like focus on the negative – but the financial advice profession is a veritable happiness machine. That’s right, those people who have received financial advice are much happier than those who haven’t. According to... Read more

CPD: Ethics – why good people make poor choices

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Ethical values provide a moral compass by which people live their lives and make decisions. This article, sponsored by GSFM, investigates the ways financial advice practices can support ethical behaviour to provide financial advice to clients that is always in their best interests. Since 1994, the Ethics & Compliance Initiative (ECI) has conducted a longitudinal,... Read more