Self Funded Retirees

As financial advisers, we talk a lot about risk, so what is Sequencing Risk? Let’s begin with an example… Terry and Chris each contribute $20,000 per year to their superannuation funds for 10 years. They both earn an average return of 5% per annum, after tax and fees and from Years Two to Nine they…

Banks have not been passing on the full reduction in the Reserve Bank’s official cash rate, but no one knows with any certainty, what the future holds for rates and to what extent. Most predictions are that they will remain at the low end for some time to come, so while borrowers love low rates…

Like the idea of owning your own small part of some of the world’s largest and fastest growing companies?  Maybe you want to tap into the growth potential of emerging economies, or get in early on the next big thing in technology.  To achieve these investment goals you’ll need to look beyond Australia’s shores to…

Australian retirees are facing a ‘double whammy’ when it comes to funding their retirement.  On the one hand we, as a nation, are enjoying longer and healthier lives.  On the other hand, record low interest rates have slashed the returns on the traditional bedrocks of post-retirement investment portfolios such as term deposits, cash management accounts…

As the name suggests, an index investment fund seeks to deliver a similar return, less fees, as its chosen index.  In its simplest form an index fund purchases the same shares in the same proportions as its index.  For example, an S&P/ASX 200 index fund will hold shares in Australia’s 200 largest companies.  An MSCI…