Are you living within your means?
Are you living within your means?
By David Andrew
I remember as a kid regularly overhearing the conversation between Mum and Dad as to who was going to withdraw cash from the bank teller before the bank closed at four o’clock on Friday afternoon.
On occasion we’d get caught short and on Saturday morning I would accompany Dad as he cashed a cheque with one of his friends who was the local pharmacist. The banking system … more
1987 Stock Market Crash – 30 Years On
By David Andrew
From time to time, share markets deliver a shock that few investors expect or know how to cope with. Most recently it was the global financial crisis, before that the tech wreck in 2000, and 30 years ago the ’87 stock market crash.
What made 1987 so memorable for me was that it was the year I started work in the financial services industry. No sooner had … more
The Challenges We Face
By David Andrew
“Life throws challenges and every challenge comes with rainbows and lights to conquer it.” Amit Ray
One of the biggest challenges we face today is the vast amount of financial information available to us. Every day we are bombarded with information from the press, social media and television. What’s more, much of it is conflicting! Chances are, you too find it difficult to make sense of your … more
Brexit Countdown Begins
By David Andrew
As the UK parliament prepares to trigger Article 50, the long and potentially arduous process of unwinding the UK’s Euro membership begins. In effect, Article 50 sets off the discussions with Europe over the terms of the future relationship between the parties.
While the notification alone is unlikely to trigger any market reaction, there is no doubt that market participants will be on edge as the process … more
Sticking with it
By Jim Parker – Guest Contributor
It’s often said that the secret of success in any endeavour is “stickability”, your capacity for staying committed to a goal. But success also depends on having goals you can stick with. Managing that tension is what an adviser does. … more
Trump and the aftermath – what does it mean for investors?
By David Andrew
When I wrote the article “Will your investment plan get Trumped?” earlier this week, I like most people, wasn’t seriously contemplating the likelihood of him actually winning. In my earlier article, I suggested that selling down in anticipation of a Trump win was the wrong thing to do, and now as the impossible is happening, I remain of that view.… more
Super rules have changed
By John Ryan
In recent changes to the proposed superannuation reforms (initial changes proposed in the May Federal Budget, then updated on 15 September), the Turnbull Government have again framed the discussion by sighting the primary objective of the superannuation system is “to provide income in retirement to substitute or supplement the Age Pension”. … more
Seven steps for setting great goals
By David Andrew
Nelson Mandela kept a burning goal in his mind as he survived 18 years in a small, cramped cell on Robben Island in South Africa. His goal of achieving freedom for his people was the motivation he needed to never give up, even in the face of appalling adversity.… more
How healthy is your portfolio?
By Rakesh Shah
We all understand that a healthy mind and body needs good nutrition, regular exercise and adequate rest. Good, deep sleep enables the body to rejuvenate and recover from the stress and strain of our daily activities.
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Planning for retirement – do you have enough?
By Michael Hayward
A common query that comes across my desk is “do I have enough to retire?”
Of course, the answer to that question is very much dependent on your answers to a host of other questions.
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