Market Updates



Your Retirement Plan is Full of Choices

Thursday, August 12, 2021

When you are planning your retirement, discussions with your financial planner are essential. Together you will design an investment strategy which will be a balance between your financial position and the things you would like to achieve in your retirement.

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Retirement Income Strategy – Downsizer House Sales

Tuesday, June 08, 2021

Property prices and home sales have gone through the roof on the Sunshine Coast and SE Queensland regions for months now. Some retirees may use their profits to downsize their living situation and boost their retirement income by utilising the Downsizer Contribution to their superannuation.

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Maher Digby Market Update - May 2021

Thursday, May 27, 2021

The COVID global crisis resulted in many changes in International and Australian markets. In our Market Update, you will hear from International and Australian Fund Managers. They share their front-line view of the markets over the past twelve months and their expectations going forward.

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Rules for Account Based Pensions are about to Change

Thursday, May 06, 2021

There are many benefits to Account Based Pensions for retirees, including tax and estate planning benefits. There are minimum annual income rules and these were reduced during COVID to alleviate impact on investors capital. From July 1st 2021 this is about to change, read on for retirement pension financial advice.....

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Financial Advice in a Changing Market Place

Thursday, December 03, 2020

Financial Advice in 2020 has required a solid yet flexible long-term investment strategy. Responding effectively to a volatile and changing market landscape has been vital as we stepped through the unknown territory of the global pandemic and it’s ever unfolding impacts on business and consumer sentiment.

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The Federal Budget and Retirees

Wednesday, October 07, 2020

The majority of focus in the Federal Budget 2020 is on economic stimulus, business support, employment growth and long term recovery. Though by no means the priority, there are a few helpful changes for self-funded retirees.

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Retirement Planning - Dividends and Interest

Tuesday, September 15, 2020

For several years now the RBA have gradually been cutting Australian Interest rates to historical lows in an effort to stimulate growth and spending in the economy. While this may be strategically beneficial for Australia’s economy, from an investment viewpoint it is extremely unattractive for anyone looking toward retirement and their income future.

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Retirement Planning in Uncertain Times - Government Employee Considerations

Thursday, July 30, 2020

If you are a Government employee close to retirement, these uncertain times may be leading you to think about your retirement options. Sometimes the market gyrations can make people nervous and subsequently hold off their retirement, but these changes may not have affected your investments at all. In fact, there are some worthwhile considerations to keep in mind.

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Investment Strategies for Your Financial Future

Monday, June 08, 2020

With the advent of COVID lockdowns this year, the financial markets went into the usual gyrations it goes through during uncertain times. Certainly, the global pandemic has been an unknown entity where there is little historical reference point for market response and recovery. This naturally resulted in concerns for many investors regarding their retirement investments, their income and future security.

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Maher Digby Client Market Update Video– May 2020

Wednesday, May 20, 2020

The COVID global crisis has caused much volatility in International and Australian markets. In this Market Update, four top Fund Managers share their front-line view on how they see the markets currently, and their perspective on the most intelligent investment strategies going forward.

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Unintended Consequences of Lowering Interest Rates

Wednesday, October 30, 2019

The RBA recently cut Australia’s overnight cash rate to a record low 0.75% with many predicting further interest rate cuts to come. Interest rates in places like Europe and Japan have been at ultra-low levels for many years and have not helped these economies alleviate their stagnant growth. This paper discusses why ultra-low rates are not necessarily working – in fact, how they may actually be counterproductive to the RBA’s objectives.

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The Importance of Cash for Income Streams

Tuesday, October 08, 2019

Few could have imagined, pre-GFC, that the crisis in the US sub-prime mortgage market would morph into global issue affecting entire markets. Liquidity ceased in some markets leaving investors unable to access their money.

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When can I access my Superannuation?

Wednesday, August 07, 2019

In regard to the definition of “retirement” the Superannuation Industry Regulations define two different sets of conditions with regard to determining if ‘retirement has occurred’ and the retirement ‘condition of release have been met’.

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Interest Rates and the Australian Dollar

Tuesday, June 25, 2019

The Reserve Bank of Australia (RBA) announced a cut to the official interest rate early in June by 0.25 basis points. Lower interest rates will help keep the Aussie dollar down and Australian companies probably need that to get a bit of a boost when it comes to competing internationally.The Australian dollar likely faces further downside. The main reason is that Australian growth is weaker than US growth, and also spare capacity is much higher in Australia.

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Building and Accessing your Super over 65

Wednesday, June 12, 2019

But just because you have hit 65 it doesn’t mean you shouldn’t consider making super contributions. With Australians living longer than ever in retirement, many people are concerned they won’t have enough for a comfortable retirement.

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The Power of Compounding

Wednesday, March 20, 2019

In these volatile markets it’s worthwhile to remember the power of compound interest. Long term returns on investments are affected by compound interest. It may seem a bit like magic but it’s actually pure math.

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2019 An Economic Perspective

Tuesday, December 18, 2018

2019 is likely to be an interesting year for the Australian economy. Some of the big drags of recent years are easing. At the same time, housing is turning down, uncertainty is high around the global outlook and it’s an election year in Australia which will add to uncertainty.

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Thinking of Downsizing?

Tuesday, August 07, 2018

Many Australian retirees find they want a smaller home, or a home more suited to their empty-nest requirements. For some people selling the family home can be great way to release funds to pay for retirement living expenses or in-home support.

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Your Superannuation and Pension Wishes

Thursday, June 21, 2018

Planning your Estate is an important element of a long term financial plan. If you don’t legally specify your wishes, the decision for distribution of your superannuation investment falls to the Trustee of your Superannuation Fund.

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Why Are Petrol Prices so Expensive?

Thursday, June 14, 2018

There is no sign of respite from Australia’s high petrol prices. Prices hit a four-year high recently on the back of surging international crude oil prices. And with the price of oil breaking through the $US80-a-barrel mark for the first time since November 2014, worldwide petrol prices are predicted to rise further.

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What's all the Fuss about Franking Credits

Wednesday, March 21, 2018

In the Australian share market there is the option of investing in ‘imputation funds’ that provide 'franked dividends'. This means the investor, who owns shares in the company, not only receives the dividend, but also receives the added benefit of claiming what are known as franking credits when completing their tax return.

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Australian Economy and interest rates

Thursday, March 08, 2018

The Australian economy grew 2.4% through 2017, good but well below potential given high population growth. There is good reason to expect growth to continue and pick up a bit: the drag from falling mining investment is nearly over, non-mining investment is turning up, public investment is strong, trade should add to growth and profits are rising. But growth is likely to be constrained to just below 3% this year and underlying inflation is likely to remain low. We don''t expect the RBA to start raising rates until 2019 (we were looking for a hike late this year). Australian shares are likely to move higher by year end, but to continue underperforming global shares.

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Market Correction on Wall Street

Tuesday, February 06, 2018

Last week Wall Street fell over 1,000 points, reversing the sharp rises of earlier in the month. Many are now asking if this is the start of a new trend on markets and what it all means for the Australian sharemarket.

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Cautious Optimism is Better for Investment Health

Tuesday, December 05, 2017

Key points: Worries about an imminent financial crisis remain high. Australians seem particularly negative about the year ahead. However, the global economy is the strongest it’s been in years. More fundamentally, cautious optimism is essential if you wish to succeed as an investor.

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Low Interest Rates not all bad for Retirees

Wednesday, November 01, 2017

It has been thought for quite some time that interest rates in Australia will remain low and this is still the school of thought. There are many reasons why we need low rates and many benefits in them staying there. Policymakers don't seem to want to even entertain the idea of significant rises because of the potential damage that would do to the economy.nificant rises because of the potential damage that would do to the economy.

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Infrastructure an option to consider

Wednesday, November 01, 2017

Infrastructure as an asset class is a relative newcomer to the investment world and was greeted some years ago with scepticism. Infrastructure assets are roads, railways, ports, airports, telecommunications facilities, electricity generation, gas or electricity transmission or distribution, water supply or sewerage, and hospitals.

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How much can you afford to spend in retirement?

Thursday, August 03, 2017

How much you can afford to spend in retirement is determined by a number of different factors including investment markets, your super balance and lifestyle. But is there more you can do to help yourself have a better retirement? Understanding your expected spending patterns and ensuring you have an appropriate investment and drawdown strategy can help you determine whether you can support your desired retirement lifestyle.

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Five Great Charts on Investing

Wednesday, July 26, 2017

These five great charts help illuminate key aspects of investing: the power of compound interest; the investment cycle; the roller coaster of investor emotion; the wall of worry; and time is on your side when investing.

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Australian Economy - Positive Outlook

Wednesday, March 08, 2017

A rebound in the economy in the December quarter confirms that Australia is continuing to grow and avoid recession. There are seven reasons to be upbeat about the Australian outlook: thanks to a more flexible economy Australia is on track to take out the Netherlands for the longest period without a recession; south east Australia is continuing to perform well; the great mining investment unwind is near the bottom; the surge in resource export volumes has more to go; national income is rising again; public investment is strong; and there are signs of life in non-mining investment. Economic growth is on track to return to near 3% this year and profit growth has returned to positive after two financial years of declines.

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2016 Review 2017 Outlook

Thursday, December 15, 2016

Key points: 2016 started badly for investors with worries about global growth and deflation. But global growth turned out okay &, despite political events, rising bond yields & disappointing Australian growth, the end result has been a constrained but okay year for diversified investors. 2017 is likely to see another year of okay & maybe even slightly higher global growth, higher inflation, higher bond yields after a pause and divergent monetary conditions as the Fed tightens but other countries stay easy. The RBA is likely to cut rates to 1.25%. Most growth assets, including shares are likely to trend higher, resulting in reasonable returns in 2017. The main things to keep an eye on are US policy under Trump (stimulus v trade wars), the Fed and the $US, bond yields, various European elections, China and the impact of the rising supply of apartments in Australia.

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President Trump - Implications for Investors and Australia

Tuesday, November 22, 2016

Donald Trump’s election as President of the United States risks ushering in a period of policy uncertainty which could cause further share market weakness in the short term. Australia and Asia generally are particularly exposed to this given the high trade exposure regionally. Trump’s victory is a negative for “risk assets” like shares and the $A in the short term – but if he becomes more pragmatic as President, any short term weakness will provide a buying opportunity.

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Opportunity Knocks on Super

Thursday, October 06, 2016

A one off opportunity now exists for many investors looking to place money into superannuation. The Federal Government has recently announced a number of changes to superannuation, particularly in relation to contribution eligibility and the amount of after-tax contributions that can made each year.

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Brexit and Potential Outcomes

Wednesday, June 29, 2016

Hamish Douglass, CEO, CIO and Lead Portfolio Manager of Magellan Asset Management gives his views and insights into the potential outcomes of the Brexit - Britain Exit of the EU.

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Brexit - Global Implications

Wednesday, June 29, 2016

In a surprise outcome, Britain has decided to LEAVE the European Union. While the reaction and full implications of the referendum will continue to evolve in time, Bob Cunneen, Senior Economist with NAB, answers some of the initial questions investors are asking right now.

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