5 considerations before moving into a retirement village

Published: November 27, 2017

It's important you understand how retirement villages work and the type of costs you're likely to come across. Today, around 184,000 Australians call a retirement village home. And, with the country’s senior population only set to increase, the number of people wanting to live in a retirement village is predicted to more than double by […]

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Bubbles, busts, investor psychology…and bitcoin

Published: November 22, 2017

Introduction The surge in bitcoin has attracted much interest. Over the last five years, it has soared from $US12 to over $US8000; this year it’s up 760%. Its enthusiasts see it as the currency of the future and increasingly as a way to instant riches with rapid price gains only reinforcing this view. An alternative […]

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Could our mortgage monster become the Christmas Grinch?

Published: November 14, 2017

The disappointing retail sales figures from the last quarter could be just the tip of the iceberg for those watching the retail sector heading into Christmas, reckons Dermot Ryan, AMP Capital’s Portfolio Manager – Australian Equities. But it’s not likely to be the so called “Amazon effect” of internet shopping, nor competition from fast fashion […]

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4 steps to help protect portfolios against political risk

Published: November 14, 2017

When Australia’s High Court ruled deputy prime minister Barnaby Joyce ineligible to sit in Parliament because of his dual New Zealand citizenship, the decision briefly sent tremors through equity and currency markets. It was a clear reminder that political risk matters to markets. We face troubling political and geopolitical risk across the world: Trump, Brexit […]

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5 ways to stretch your Christmas dollars further

Published: November 13, 2017

How to have a very merry – and affordable – Christmas Christmas should be full of laughter and good cheer, and if you plan wisely, you can also avoid a spartan New Year spent paying off your yuletide spending. With a survey finding that Australian shoppers spend about $10 billion on gifts alone, or $700 […]

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Downsizing is not always the answer

Published: November 13, 2017

If you're pinning your financial hopes on the ability to downsize your home in retirement, you may need to think twice. Many Australians don’t have enough in super to fund a quality retirement, but if you’re pinning your hopes on the value of the family home, it could pay to think again. Downsizing to a smaller place may […]

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The medium term investment return remains constrained

Published: November 9, 2017

The last five years have seen strong returns for diversified investors thanks to double digit gains in shares (after a rebound from a mini bear market around the Eurozone crisis) and solid returns from unlisted commercial property and infrastructure. For example, balanced superannuation funds saw median returns of 9.3% per annum over the five years […]

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Monetary Policy Decision – Statement by Philip Lowe, RBA Governor, November 2017

Published: November 8, 2017

At its meeting today, the Board decided to leave the cash rate unchanged at 1.50 per cent. Conditions in the global economy are continuing to improve. Labour markets have tightened and further above-trend growth is expected in a number of advanced economies, although uncertainties remain. Growth in the Chinese economy is being supported by increased spending on […]

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Housing affordability down, rental affordability up

Published: November 3, 2017

Despite national figures, there are still windows of opportunity within different Australian states. Aussie home owners are now forking out nearly a third of their annual income to meet average home loan repayments, according to research from the Real Estate Institute of Australia.1 The group said while home loan affordability showed a slight decline in the second […]

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What do Aussies do with their super?

Published: November 2, 2017

Find out where and what retirees are investing in and spending their superannuation money on. A significant number of Aussies are now entering retirement with substantial superannuation balances, after compulsory super contributions for most employees were introduced a quarter of a century ago1. But what are retirees doing with their super money? Are they putting […]

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