Shane Oliver, Head of Investment Strategy and Chief Economist.
Many investors were rattled by the equity market falls in late 2018, but Dr Shane Oliver says there are a number of reasons to suggest that in 2019 a well-diversified portfolio should deliver reasonable returns.
The main point are as follow :
This is a “mid-cycle” correction
No full-blown recession
Oil prices falling
Modest rate hikes or even cuts
Shane Oliver, Head of Investment Strategy and Chief Economist.
It was always likely that 2018 would under perform compared to 2017, however five big fears shaped the market more than anyone had imagined.
The main point are as follow :
Fear of the Fed
President Trump’s trade war
China slowdown
Global desynchronisation
US dollar strength
Shane Oliver, Head of Investment Strategy and Chief Economist.
The following note provides a review of 2018 and what it meant for investors and takes a look at the outlook for 2019. The key points are as follows:
2018 saw reasonable global economic and profit growth and still low interest rates but it has been a rough year for investors with worries about the Fed, trade wars and global growth causing volatility and poor returns.
2019 is unlikely to see the plunge into recession many fear with growth likely to stabilise supporting profit growth, the Fed is likely to undertake a pause in rate hikes and global monetary policy is likely to remain easy. The RBA is expected to cut interest rates.
Against this backdrop, share market volatility will likely remain high but markets should start to improve through the year.
The main things to keep an eye on are: the risks around the Fed, US/China tensions, global growth, Chinese growth and the property price downturn in Australia.
Money & Life
Thinking of a new job in the new year? With wage growth staying low, better benefits and work-life balance could be something to look for in your next role. Find out about the latest workplace trends for supporting employees with their health, finances and work-life balance.
Money & Life
Recent figures show personal debt levels in Australia are among the highest in the world. So does this mean we’re heading for a debt disaster? Or are we doing the right kind of borrowing to get ahead with finances? Find out what kind of debts can be a problem and how to keep borrowing within safe limits.
Money & Life
Everyone has a different life journey they’re on. But getting on top of key financial goals as you follow your own path could see you enjoying a more comfortable lifestyle and being ready for the next chapter to begin. Read our guide to getting all your money matters sorted out, one decade at a time.
Money and Life
“It’s all very well having retirement savings as a financial goal, but just how much should you plan to have in your super balance now, and when you retire? Find out more about coming up with a super balance target, for your age group, and for the retirement lifestyle you have in mind”
The key points are as follow:
Above or below average?
How much is enough?
Should I save more?
Shane Oliver, Head of Investment Strategy and Chief Economist.
The following note takes a look at the current worry list for global investors.
The key points are as follows:
It’s still too early to be sure that the pullback in shares seen last month is over but we remain of the view that it was not the start of a deep bear market and that the trend in shares remains up.
Worries around US interest rates, trade wars, European politics etc are unlikely to be terminal.
The US midterm election turned out pretty much as polls indicated. Since 1946 US shares have rallied in the 12 months after all midterm elections.
Money & Life.
By the time you retire your super may be one of your biggest assets. So when it comes to a divorce, it’s a very important part of a financial settlement. Find out from legal and financial experts what you need to know, and what to keep in mind when it comes to super and separating your family finances.
The key point are as follow:
Just how important is my super?
Can my ex claim some of my super (or vice versa)?
Should I go to court to get my fair share?
Things to bear in mind with super and separation
Defined benefit schemes and SMSFs
Money & Life
The following note looks at why an estate plan is so important and when you should make a start on yours.
The key points are as follow:
Am I too young to need a will?
When should I be making a will?
Don’t forget to think about :
Executors, attorneys and trustees
Beneficiaries
Tax
Super
Advances to children
Money & Life
The three biggest drains on our money are paying for housing, food and transport. And there’s no getting away from the fact that it is unlikely we can live without any of the “big three”. Here we look at some ways of how to save on these items.
The main points are as follow :
Saving on rent in the Big Smoke
Buying a home
Make money from your home
Save money on decorating and furnishing
Food for your soul
Your method of transportation
Money & Life. Charmaine Bingwa & Kylie Travers.
The 7 rules are as follow :
Know what your values are
Don’t be afraid of hard work
Have a budget and stick to it
Always plan ahead
Be ready to act
Don’t rely on a salary
Make your wellbeing a priority
Money & Life
Does everyone need life insurance? Is the policy you’re paying for through your super fund enough? Deciding what sort of personal insurance is right for you and how much cover you need takes time and asking the right questions about your individual situation. Find out more about what you need to think about to get the right insurance to protect you and your family.
Money & Life.
Expecting a refund from your 2017/18 tax return? 77 out of 100 Aussies are likely to get one and many could already have plans to spend it. If you’re one of them, find out how to treat yourself right with your windfall and be better off for good.
The main goals are as follow :
Goal 1. Escape your debts
Goal 2. Be ready for the unexpected
Goal 3. Future proof your finances
Goal 4. Realise your wealth potential
Money & Life
On 7 August 2018 the Australian population has edged past the 25 million mark. What could this mean for the future financial wellbeing of everyday Australians?
Money & Life
The following ebook looks at ideas and activities to help kids and teens grasp the value of money in a digital world.
Read more : eBook
Australian Securities & Investments Commission (ASIC).
The following note looks at Super that is even more important for women.
The key points are as follow :
Why super is good for you
Get to know your super
Options to grow your super nest egg
Track down lost super
Australian Securities & Investments Commission (ASIC).
This calculator helps you work out:
Money & Life
Chances are your super savings could make a big difference to how you’ll be living in retirement. So it’s important to understand exactly what you’re looking at when it comes to comparing different funds and investment options.
Money & Life.
It’s easy to have big ideas about your financial future, but harder to achieve them. As most dieters know, you can follow the best dieting program, but struggle to stick to it.
The key points are as follow :