Smart Investor | December 2018

Smart Investor | December 2018

Research, Trends, Topics and Asset Class Returns for Long-term Investors.

The 70-20-10 Rule for Investing

By David Andrew | Accredited Investment Fiduciary

I’ve been thinking a lot lately about what investors should expect from financial markets and how to deal with the inevitable emotions that come from volatility and downturns in markets.

Over the past two months we have seen markets jittery once again, with the S&P/ASX300 retreating by -6.18% … more

Reflections on 2018

By David Andrew
Accredited Investment Fiduciary


Succession Update

During the year we welcomed seven new shareholders into the firm. This ownership program establishes continuity of ownership across the generations as we enter our 20th Anniversary year.

As founders, we believe it is important to ensure our future as a firm is certain,  so that families can rely on us being there for them in the future.  As … more

When markets tumble – who should be concerned? 

By David Andrew

When markets tumble as they inevitably do from time to time – we always wake to a headline like the one in last Wednesday’s Australian newspaper.  Designed to shake you to your boots, we are left pondering the impact on our own investment fortunes. We’re only human after all.  

For those who don’t work in financial markets, a severe market down turn is really the only timemore

Investment Committee Update 

The past few months have been busy for the Investment Committee at Capital Partners and we have a number of important projects under way.

At the moment we are reviewing our asset allocation positions and in particular the weightings we hold in Australian versus international shares.

We are also coming up to the 15th anniversary of the implementation of our first Asset Class portfolios.  Very few financial planning firms have … more

What is a Fiduciary and where do I find one?

This article discusses some of the findings of the Royal Commission and introduces the concept of a Fiduciary adviser.

It seems that choosing a financial planner is one of the more difficult things to do in life these days, if the findings of the Royal Commission are to be believed. And yet for many Australians, they simply wouldn’t or perhaps couldn’t, approach retirement planning and other important life decisions without … more

Looking to the Future


Capital Partners Succession Group - Copy

Capital Partners New Principals
(Left to right)  Kathryn Creasy, Rakesh Shah, Michael Hayward, James McLeod, Charmaine Lamprecht, Steven Boyce and John Ryan


For over two years now, we have been working towards the implementation of a succession plan that will welcome a new generation of owners at Capital Partners.

Next year marks our 20th anniversary, and with all of our founding principals in their 50’s, it makes sense … more

What’s the harm in a preferred name?

By Serena West
Many people call themselves by a name other than the exact name given at birth. You may be one of these people – perhaps you prefer your middle name, or you use a shortened version of your name to make it easier for people to pronounce or spell. Maybe after a divorce you reverted to your maiden name by choice, but didn’t get around to legally changing … more

Having a Game Plan

An adviser once said he did not so much have people with investment problems as he had investments with people problems. Your rational side can vanish in a crisis – so why not build your human imperfections into your game plan?

When unsettling news is breaking there’s a natural inclination among people to want to adjust their portfolios in response. When uncertainty looms and volatility spikes, investors can feel tempted … more

Clear Purpose Matters

We all strive to live our lives with meaning and a real sense of purpose and as we reflect, the things we will value most in our lives will be our relationships and the experiences we have shared with people we care about. Understanding what drives us, our why, becomes the most important foundation we can put in place as we embark on securing our financial futures.

In his book … more

Helpful Hints for Tax Time

By James McLeod

Tax Tips

With the end of the financial year fast approaching, now is a great time to review your tax planning to ensure you have taken advantage of the opportunities available to you and your family.

Below we have outlined our top tips and strategies you may consider to help manage tax and maximise your savings.

Lump sum tax deductible contributions to superannuation  

Previously this flexibility was reserved for … more

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