Wealth Intelligence

  • Mar 15
    Two matters worth noting are...

    1. Don’t be spooked by a negative share-market quarter.

    2. There are three sources of investment return. Don’t miss out on the third. Read More
  • Mar 14
    The amazing growth in the number of SMSFs has led to a somewhat misleading campaign. However, it focuses on the wrong thing.

    What’s this not about?

    On almost every measure, SMSFs are easily the most attractive of the range of super alternatives for most investors.

    The only three possible exceptions are where ... Read More
  • Jan 27
    Same underlying investments but reduced cost and easier execution

    The old and the new – a measured change

    Many of our clients have international shares as one of their investment sectors. For many years this investment was achieved by use of a managed fund operated by Vanguard, the large US investment manager, with their Index International Shares Fund.

    In 2015, Vanguard introduced an easier and cheaper way to achieve the same investment. This is done by using what is known as an ‘Exchange Traded Fund’ (ETF). Simply, an ETF is a managed fund that is traded on a stock exchange. Read More
  • Jan 13
    Key points:

    1. Ignore the screaming headlines. Your share-portfolio is not the share-market. So focus on your portfolio. It is in much better shape than the market.

    2. And the share-market is now just back to where it was in the middle of December. And at the end of September.

    3. But the ride may be bumpy, as ‘feelings’ over-ride reality for a little while. Read More
  • Dec 16
    The government has foreshadowed changes to the superannuation regime. Be prepared. Be intentional.

    The Federal budget is in deficit and it needs to be brought under control. Rightly or wrongly, superannuation is seen as ‘low-hanging fruit’. And the government has made it clear that changes will be made to the superannuation regime that both collect more tax and make it ‘fairer’.

    Much of the media commentary is on speculative positions presented by ‘think tanks’, industry experts or those with a ‘barrow’ to push. But it does appear that the government will make changes at next year’s budget and/or go to the election with a package of broader tax and welfare proposals. Read More