Newsletter – May 2025
The ASX 200 (up 5.13%) and S&P 500 (up 7.10%) saw gains, fuelled by improving economic conditions like inflation moving within target ranges (2-3% in Australia), and renewed consumer confidence. The RBA lowered the cash rate to 3.85% in response. Meanwhile, the Australian residential property market continued its upward trend, reaching new record highs despite some moderation due to pre-election caution and tariff concerns, with regional markets outperforming capital cities and houses generally outpacing units in value growth.
From Dreaming to Doing – Preparing for Your Meeting
A dream without a plan is just a wish. Now that you've thought about your ideal life, it's time to structure your goals so your adviser - and you - can actually work toward them. Here's the key: not all goals are created equal. Some are urgent. Some are massive. Some are nice-to-haves. Understanding this will help you (and your adviser) prioritise.
Anticipate Life Changes – Building Flexible Plans
Life is messy, and your financial plan should be flexible enough to handle it. Career changes, relocations, and unexpected family milestones can all bring significant costs. Instead of aiming for a perfect 10-year plan, focus on one that adapts as life evolves.
Breaking It Down – How to Frame Your Goals Clearly
A dream without a plan is just a wish. Now that you've thought about your ideal life, it's time to structure your goals so your adviser - and you - can actually work toward them. Here's the key: not all goals are created equal. Some are urgent. Some are massive. Some are nice-to-haves. Understanding this will help you (and your adviser) prioritise.
The Big Picture – Why Financial Goals Matter
Have you ever walked into your financial adviser's office and found yourself saying, "I just want to be better off financially"? It's a common feeling - but it's also a trap. Over the coming weeks, we will provide a practical roadmap to help you clarify your financial goals, communicate effectively with financial advisers, and create a plan that's both ambitious and flexible. With realistic examples and actionable steps, you'll move from vague aspirations to clear financial direction.
Newsletter – April 2025
In April 2025, global equity markets were volatile, with the Australian ASX 200 demonstrating resilience compared to the US S&P 500's sharp decline. The ASX 200 recovered from an early-April dip, though analysts predict limited upside for the year. The S&P 500 experienced significant fluctuations due to political uncertainty, trade tensions, and mixed corporate earnings. Meanwhile, the Australian residential property market rebounded strongly, spurred by interest rate cut and supply constraints, reaching new record highs across most areas, with varied performance among capital cities and regional areas outperforming overall. Now, most economists and financial markets expect the Reserve Bank to cut rates again at its May meeting.
Maximise Retirement Savings Without Sacrificing Other Goals
Planning for retirement doesn’t have to mean putting your other financial ambitions on hold. With the right approach, you can grow your retirement nest egg while still achieving goals like homeownership, travel, or paying off debt. Here’s how you can strike that balance.
How Trump’s Tariffs Affect Australian Investors and What to Do Next
The recent announcement by President Donald Trump to impose tariffs on various countries has sent shockwaves through global markets, including our own. As an Australian investor, it's natural to feel concerned about how these changes might affect your investments. Here's a straightforward guide to help you manage this challenging period.
How the 2025 Federal Budget Could Affect You
The 2025 Australian Federal Budget, announced by Treasurer Jim Chalmers on 25 March, outlines the government’s plans for the next financial year. While budget documents can be overwhelming, here’s a simplified look at the key changes that might impact your finances.