There’s a common view that as you approach retirement you should tilt your investment portfolio towards more conservative investments. This means favouring things like term deposits, annuities and cash management trusts while reducing exposure to more volatile assets such as shares and property. The thinking is that preservation of capital is key, as without an…
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The government regularly reminds us that each Australian must take responsibility for funding their future. Regardless of when you will be able to access your super, or when you choose to stop working, you need to be aware of how your superannuation is being managed and if the final balance will be sufficient when you’re…
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Welcome to the Winter edition of the Intrinsic Financial Planning Report. Our articles cover a range of topics which we hope you will find interesting. We aim to keep you informed of any changes as they happen, but we also want to provide ideas to help you live the life you want, now and in…
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Many self-employed people view the sale of their business as their retirement fund – their superannuation. So just like ensuring superannuation investments are being well managed, business owners need to plan ahead, to ensure their business can continue to provide a reliable income after they retire. Take for example John. He is a typical example…
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For Australian investors, the Federal election was a great result. For at least the last 2 years, the Australian Labor party was expected to win and win big! The Coalition’s win, even quoted by the Prime Minister himself Scott Morrison, was seen as a ‘Miracle’. However, when looking into this with more detail, why was this…
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There is hardly anything in life that doesn’t involve taking some risk – even getting out of bed in the morning! Many people are fearful of investing because all they focus on is the risk of losing their hard-earned money. Others look for great returns and forget about the risk entirely. As with anything, there…
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It’s obvious that investors select investments based on the rate of return they can earn on their funds. For share investments, the rate of return has two components: 1 – Sell the share for gain. Assume you purchase 100 shares $20 each. If you later sold the shares for $40 each you have made a…
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When financial markets experience volatility, many investors obviously worry; but what are the real effects of a “volatile market”? If you are a long-term investor, with a time-frame of 5 years or more, you cannot afford to overlook the benefits of growth investments such as shares or property. As an astute investor you will be…
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Warren Buffett got into the investing game early. He bought his first shares of Cities Service for $38 each, at 11 years of age. Since then, the investing legend from Omaha, Nebraska has amassed a fortune near $75 billion and has become one of the richest men in the world. But if Warren Buffett wasn’t…
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Over the last 100 years global stock markets have experienced many major set-backs, including the Great Depression of the 1930s, several wars, the ‘crash of 1987’ then the Global Financial Crisis (GFC) twenty years later. But for every low, a recovery has followed – they just take time. What stops most people from investing in…
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