On Friday, March 10, regulators took control of Silicon Valley Bank as a run on the bank unfolded. Two days later, regulators took control of a second lender, Signature Bank. With increasing anxiety, many investors are eyeing their portfolios for exposure to these and other regional banks. Rather than rummaging through your portfolio looking for…
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At the beginning of 2022 the Australian economy appeared to be sliding into recession, dragged down by higher interest rates and even higher inflation levels. As a result, it was tempting to believe the share market was also set to tumble. And while that’s entirely possible, the local market traded higher during each of Australia’s…
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When was you last Financial Review? The months seem to fly past in a blink of an eye and although it feels like we were celebrating Christmas just a few months ago, it’s looming on the horizon again – another year gone! Almost every year we see changes to our superannuation system, interest rates, the…
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Looking forward to an enjoyable retirement? You are not alone… Check out my top 10 tips to make sure you’re on track for the retirement you deserve. And it won’t be as difficult as you think! Tip 1: Take stock How do you want to live in retirement? Now do the numbers. How much will…
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Not a day goes by where we don’t hear about Bitcoin or Ethereum in the news or from a friend who has a hot tip on a new cryptocurrency. The past few years have seen an increase in the popularity of digital assets such as cryptocurrency and Non Fungible Tokens (NFTs). Direct shares and managed…
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A meme is an idea, behaviour or style that spreads from person to person through imitation. Many people consider memes to be cultural versions of genes in that they spread from mind to mind, evolving and mutating as they go. Memes can range in scale from large religions to short-lived fashion trends or dance crazes.…
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As daily conversation in Australia is increasingly dominated by concerns about the environment and global warming, more and more investors are looking at how they can make a difference and choose sustainable or ethical investments as part of their portfolio mix. So what exactly is an ethical investment? The answer can vary depending on your…
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While cuts in interest rates are greeted with glee by homebuyers and other borrowers, for the millions of retirees and others who depend on interest payments for their income, falling interest rates can be a disaster. For them, a drop in interest rates from 4% to 3% equates to a 25% drop in income. If…
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Resilience is the ability to quickly recover from setbacks, and while setbacks can come in many forms most of them will have a financial component. So what can you do to build financial resilience? Expect the unexpected Rarely do we get advance warning that something bad is about to happen to us, so the time…
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If you rely on your investments for income, an important aspect of managing your portfolio is cash flow (dividend income). Correctly structured cash flow is critical, so let’s have a look at what you might need to consider. What is cash flow? Cash flow simply looks at the payment frequency of income from an investment.…
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