CPD: Local investment properties vs going global

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Your house and the Australian share market Some domestic investors seek diversification by coupling Australian shares with domestic investment property (usually residential). However, we would argue that – at the extreme – these two asset classes could turn out to be highly correlated. How so? Consider the following: more than 35% of the S&P/ASX 200 […]

CPD: Estate planning made simple

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 An investment bond gives you certainty and simplicity in estate planning. Clients spend a lifetime saving and building their wealth, however without an effective estate planning solution, families can face dire consequences on death. These consequences may include: distribution to the wrong beneficiaries high legal fees lengthy delays in accessing estate proceeds erosion of wealth […]

CPD: Client first – ethics in the post FOFA world

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For most people, the concept of acting in a client’s best interests, the requirement to behave fairly and ethically in the provision of financial advice, is indisputable. OpenMarkets examines the ethics that underpin the provision of advice and execution in listed securities. Ethics can be defined as a system of moral principles, the rules of […]

CPD: Millennials – next gen investors

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Millennials – otherwise known as Generation Y – comprise the fastest growing segment of the Australian workforce. Although there are more than five million millennials in Australia, approximately 20% of the population, they are less likely to seek financial advice or own their own home than preceding generations. In this article, DomaCom examines the factors […]

CPD: 2017 – the year of goals-based advice

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“Goals-based investing”: it’s a concept that’s gaining increasing currency in investment and financial planning circles and attracting more and more attention. And, when you look at its underlying precepts, how goals-based investing plays out in practice and the potential benefits it offers for individuals, advisers, and the industry at large, it’s easy to see why. […]

CPD: Global equities – Three key questions for 2017

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Q1. With global equities almost back to new highs, should we treat this as a sign of optimism or a cause for concern in 2017? Some of the key changes that have taken place in markets over recent months are that: US growth prospects have improved, with President Trump’s policies likely to result in higher […]

CPD: Using investment bonds to increase age pension and manage the intergenerational transfer of wealth

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Utilising investment bonds to manage intergenerational transfer of wealth post 1 January 2017 may have the by-product of increasing Age Pension entitlements – Case Study Bob (78) and Margaret (68). With changes to the age pension assets test that came into effect from 1 January 2017, existing part–pensioners may be considering their options to retain […]

CPD: An All Black performance… just not in rugby!

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The New Zealand ‘All Blacks’ rugby team have a long and deserved history of excellence as one of the world’s truly elite sporting franchises. Over the past decade, the New Zealand (NZ) economy has delivered an All Black-like performance despite facing some strong headwinds. In this paper, 4D Infrastructure’s Greg Goodsell (Global Equity Strategist) and […]

CPD: Rural property – the next investment frontier?

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Property has long formed the backbone of many investment portfolios; it’s an asset class that’s tangible, one that is familiar. Many investors have done particularly well with exposure to residential property, which over recent years has experienced stellar capital growth. As with other asset classes, diversification is important. In this article DomaCom examines the case […]

CPD: How can Robo-advice meet Australia’s strict regulatory best interest duty requirements

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Australia has the one of the strongest regulatory environments in the world. “Operating under the Australian regime automatically provides confidence to investors and consumers. Most importantly ASIC regulates towards consumer-first best practice and we embrace that,” says Ignition Wealth CEO Mark Fordree. Since July 1, 2013, the best interests duty and related obligations to manage […]