How to safeguard your goals and greatest assets

Published: August 28, 2016

You may be saving for an overseas trip, planning to buy your first home, putting aside money for your kids’ education, or preparing to set sail in the years after you’ve stopped working. Whatever your goal or aspiration, you don’t want it derailed at the last minute by something unexpected, which is why a financial […]

Read more

Shares rally but deflation threat looms

Published: August 22, 2016

Global markets rally Global markets have delivered solid gains after the Brexit vote. Factors driving the strength in shares have been fairly consistent. Economic data have been respectable and June quarter corporate profits in the US have been well up on the previous quarter. In addition, central banks have delivered a broadly consistent message of […]

Read more

The constrained medium term return outlook

Published: August 17, 2016

While the high inflation of the 1970s and early 1980s was bad for investment returns at the time, it left a legacy of very high investment yields which helped set the scene for high investment returns through the 1980s and 1990s. Back in the early 1980s the RBA's "cash rate" was averaging around 14%, 3 […]

Read more

How can an offset account help me own my home sooner?

Published: August 8, 2016

If you’re about to take out a home loan you might be wondering how you can pay it off sooner, while still having cash for everyday expenses and to save for a future goal. One option is to use an offset account, which is an everyday savings account typically linked to a variable, rather than […]

Read more

Infrastructure investing in a world of low interest rates

Published: August 5, 2016

Introduction Infrastructure is seeing solid interest from investors. Not only does it offer relatively attractive yields and return potential, it’s also a good diversifier. With ultra low bond yields and equities limited by constrained growth prospects, infrastructure can provide a source of relatively stable returns underpinned by reasonable yields and inflation linked revenues. This note […]

Read more

Statement by Glenn Stevens, Governor: Monetary Policy Decision – August 2016

Published: August 2, 2016

At its meeting today, the Board decided to lower the cash rate by 25 basis points to 1.50 per cent, effective 3 August 2016. The global economy is continuing to grow, at a lower than average pace. Several advanced economies have recorded improved conditions over the past year, but conditions have become more difficult for […]

Read more

Give your future self a pay rise!

Published: July 29, 2016

Pay yourself forward Topping up your super early will help you get one step closer to ensuring you achieve your lifestyle goals for your post-work years. Now is the time to plan ahead and work out how much money you’ll need to fund the retirement lifestyle you want, and how much super you’ll need to […]

Read more

Insurance inside super – what you should know

Published: July 29, 2016

More than 70% of Australian life insurance policies are currently held inside super.1 If it’s something you’ve been thinking about, there are a number of things to consider, including whether you have the right type of cover and enough of it. Let’s start with some of the basics: What types of insurance are available? Super […]

Read more

Megatrends impacting investment markets

Published: July 27, 2016

Introduction Recent developments – including the rise of populism, developments in the South China Sea and around commodity prices along with relentless technological innovation – have relevance for longer term trends likely to affect investors. So this note updates our analysis on longer term themes that will likely impact investment markets over the medium term, […]

Read more

The investment outlook – it’s not all that bad! Here are nine reasons why

Published: July 20, 2016

Introduction The past few weeks have been messy with Brexit, the Australian election, another terrorist attack in France and an attempted coup in Turkey. In fact, the last 12 months have been – starting with the latest Greek tantrum and China share market plunge a year ago. It’s almost as if someone has listened to […]

Read more