This article was originally published as 'Rundown on CIPL' in http://www.themorningbulletin.com.au/ on 21 July 2012.
Of the $150 million or so our business looks after, about $90 million originates from Central Queensland. That’s a lot of money, but think about it this way – that’s only money entrusted to our firm - one of probably 30 financial services firms in the area.
This article was originally published as 'Wacademia' in The Morning Bulletin in July 2012
Flinders prided itself on was an interdisciplinary approach to learning streams. As part of my economics degree I studied statistics, demographics, politics, history and even had the opportunity to enrol in “death dying and bereavement” and other subjects in the medical school. More experienced, it’s almost uncomfortable to realise that I only now understand what they gave me back then.
This article was first published inThe Northern Daily Leader under the heading, 'Hi Mum I've won the lottery' on the 15th of October 2011.
Unfortunately, your real chances of winning the lottery are slim – winning Powerball is a 1 in 55 million long shot. However your odds of having to deal with a windfall of a different sort are quite high – every one of us has money in superannuation and many of us will need to decide what to do with our lifetime savings when we retire. While not quite on the same scale as a lottery win, you may still be required to decide what to do with hundreds of thousands of dollars.
This article was originally published as ‘Theories’ in The Morning Bulletin in September 2011.
The Chinese do know what they are doing. Once fragmented, four or five companies now control much of the commodity market, making prices much less volatile. High prices are not evoking the supply response of times past, and therefore prices are remaining “stronger for longer”. Such an outcome is consistent with microeconomic theory - big consumers will want to bypass the problem by owning the resources directly. Not keen on economics? Watch the movie “Dune”.
This article was first publihed in The Morning Bulletin dated 21st May 2011. Federal Budget Undoes Our Buffer Against GST
Is the recent Commonwealth budget boring? Perhaps, but it is important because of what it has failed to do. It is an embarrassment to the party that through Whitlam, dragged Australia kicking and screaming into the 20th Century, and into a liberal financial mainstream through Hawke and Keating. In fact, it seems to sow the seeds of undoing much of the great work that has led to Australia’s ability to withstand the GFC, and the nation’s current prosperity.
This article was originally published in The Morning Bulletin in March 2011. Titled What can a financial planner do?
The ongoing nature of financial advising provides the opportunity for continuous financial improvement, whether through investment or through structural means. Like a GP, personal financial professionals will call in expert help when needed, but the primary relationship will be with the generalist.
This article was first published in The Morning Bulletin under the heading Income Returns dated 18 September 2010.
Many think that superannuation is an asset. It is not - superannuation is a special trust formed with the express goal of providing for an individual’s income needs during retirement. From cash to property to shares to art, the assets which can be held in the superannuation trust are broad. Comparing income yield across asset classes is not easy.
This article was first publihed in The Morning Bulletin dated 13th March 2010. Titled 'All The Rivers Run'
Despite frequent bad press, financial advisors are going to become more, not less, important to people. The advisors will cover all types of personal finance and act as a hub between accountants, solicitors, Centrelink, superannuation and small business. They will provide broad, tailored advice on all these matters, drawing on particular expertise as required. They will charge a fee for service, based on the workload, for managing these things.
This article was published in Capricorn Investment Partners Limited First Quarter Newsletter 2009
On the 18th of February 2009, the government announced the suspension of the minimum account-based pension draw down requirements.
This article was originally published as ‘What is good for one may not be good for everyone’ in The Morning Bulletin on 11th October 2008.
One of the least understood aspects of economics is the fallacy of composition. Imagine you’re at a football match, with Andrew Gaze sitting in front of you. You stand, to get a better view, while blocking those behind. Soon everyone is standing…and no better off. Put simply, what is good for the individual might not be good for the group. Understanding that helps you identify risks, so let’s apply it…
Please note that this article was originally published in The Morning Bulletin in September 2005
Coincident with the introduction of Superannuation Choice, financial services regulator ASIC released guidelines for financial planners who recommend self managed superannuation funds (SMSF). Generally the paper is quite sensible, but we disagree with one aspect of it – the view that $200,000 is the minimum recommended investment required to run a SMSF.
This article was originally published as ‘Superannuation is not the only money option’ in The Morning Bulletin in March 2002.
Putting money into superannuation is all the rage. Many financial planners are using superannuation as the first and only stop when recommending what customers should do with their money. The logic is that there are significant tax gains from investing in superannuation.
This article was published as “Financial planning must be realistic” in The Morning Bulletin on 8th August, 2003.
Financial planning is a personal thing. The only person who can make a judgement on whether a financial planner is any good, is you. Recent surveys show that industry memberships such as the FPA are no indication of good advice, and neither are brand names. Be clear between yourselves what you are after, do some reading, ask lots of questions and trust your instinct.
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