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Investing

Managing investment risk in uncertain times

Managing investment risk in uncertain times

This year has exposed investors to the end of a bull market and the start of a global recession, all caused by a totally unexpected global pandemic. The outlook for the global economy and investment markets remains uncertain until an effective vaccine is available. While there is cause for optimism […]

How to spend and invest at the same time

How to spend and invest at the same time

We talk a lot about ‘buckets’ in retirement. You’ve got your ‘bucket list’ which you want to accomplish before you ‘kick the bucket’. Let’s add one more to the list. There’s a ‘bucket’ strategy that allows you to spend and invest at the same time.  It’s a concept that proves […]

SMSFs on the defensive: Is it time to revisit your strategy?

SMSFs on the defensive: Is it time to revisit your strategy?

Self-managed super funds (SMSFs) have had a challenging year, with COVID-19 linked market uncertainty affecting income and returns. But SMSF trustees haven’t been sitting on their hands. One of the main reasons people give for wanting to establish an SMSF is to have greater control of their investments and taking […]

5 common financial mistakes to avoid during a crisis

5 common financial mistakes to avoid during a crisis

The economic impact of the COVID-19 pandemic is playing havoc with finances for many households. In an ideal world, the financial boost should be enough and assumes that everyone was financially prepared for tough times. But in times of crisis, it can all be a little overwhelming. Here are 5 […]

Balancing wealth and happiness

Balancing wealth and happiness

It can at times seem like life is a seesaw of logic and emotion. If you believe by emotion, then no amount of reason can talk you out of how you feel. It’s how some fall prey to a life of worry, frustration and disappointment. But if you stay focused […]

Year in Review – Investment Insights

Year in Review – Investment Insights

Financial year 2020 has truly been a year of two halves. The first half was characterised by continued economic expansion, buoyant equity markets and historically low – even negative in some countries – interest rates. However, before midnight’s chimes heralded a new decade, raging bushfires made it clear that Australia […]

A baby boomer’s retirement path

A baby boomer’s retirement path

Baby boomers are born consumers and love choice. For those unsure, a baby boomer is generally defined as those born just after World War II – 1946 to 1964. During these years, the number of babies born in most western nations, including Australia, was staggering.  Today, around 20% of Australia’s […]

New financial year – new perspective

New financial year – new perspective

The start of the financial year is always an excellent time to take stock of your current situation and visualise where you’d like to be in the future.  It’s fair to say this year hasn’t been ‘business as usual’! While no-one could have predicted the first six months of 2020, […]

Unintended consequences of Government COVID-19 Policies

Unintended consequences of Government COVID-19 Policies

For every action there is a reaction. And while we’re not criticising the government’s policy response to COVID-19, we recognise that such intervention often has unintended consequences.  Take lower interest rates for instance. Central banks intended to make the cost of investment cheaper and be stimulatory. Instead, Australian households borrowed […]

Is your SMSF balanced?

Is your SMSF balanced?

The recent sell-off on global sharemarkets due to the economic impact of COVID-19 has highlighted the risks of depending too heavily on a single asset class. Even before the current crisis, the ATO was concerned about a minority of self-managed superannuation funds (SMSFs) with up to 90 per cent of […]

Support for business investment

Support for business investment

The government is loosening the criteria around the instant asset write-off. Pre-Coronavirus, businesses with a turnover of up to $50 million could instantly write-off the purchase of assets costing up to $30,000. Post-Coronavirus, businesses with a turnover of up to $500 million can write off asset purchases of up to […]

Making peace with the unknown

Making peace with the unknown

Life constantly challenges us with unknowns, yet some of these hit closer to home and harder than others in their impact. The coronavirus is unprecedented in our lifetimes, so we are charting new territory in the world’s response to this crisis. The uncertainty around its far-reaching impact is creating fear […]

Coronavirus and Global Volatility

Coronavirus and Global Volatility

Special Update – Monday 9th March, 2020. Today the Aussie market suffered the worst decline since October 2008 with the ASX 200 -455.6pts or -7.33% to 5760.6pts. All sectors finished in negative territory with the energy producers the hardest hit due to plunging oil prices. The market is now at […]

Hold on – Bumpy markets ahead

Hold on – Bumpy markets ahead

After period of optimism, global investment markets have hit the panic button on fears about the possible economic impact of the coronavirus (COVID-19).  At times like these, it’s good to get some perspective. Australian shares rose 24 per cent last year, touching record highs, and 10 per cent a year […]

Ins and outs of SMSF property investing

Ins and outs of SMSF property investing

With a property market recovery underway, most notably in Sydney and Melbourne, Australian…

Steering through choppy seas

Steering through choppy seas

Like it or not, we live in interesting times. More than a decade after the Global Financial Crisis, the global economy is facing fresh headwinds creating uncertainty for policy makers and investors alike.  This time around it’s not a debt crisis, although debt levels are extremely high, but geopolitical instability. […]

Building wealth in diversity

Building wealth in diversity

What a difference a year makes. In recent months, Australian shares hit a record high, the Aussie dollar dipped to levels not seen since the GFC and interest rates were cut to historic lows. Towards the end of 2018, shares were in the doldrums and while experts agreed the Aussie […]

Positives and Negatives of Negative Gearing

Positives and Negatives of Negative Gearing

Negatively gearing an investment property is viewed by many Australians as a tax effective way to get ahead.  According to Treasury, more than 1.9 million people earned rental income in 2012-13 and of those about 1.3 million reported a net rental loss. So it was no surprise that many people […]

Making the most of falling interest rates

Making the most of falling interest rates

The Reserve Bank’s decision to cut official interest rates is good news for anyone with a mortgage or hoping to buy their first home, but presents a challenge for savers. Whatever your personal situation, the question now is how to make the most of falling rates.  In case you missed […]

Jump and celebrate !! We have been able to negotiate further savings for you

Jump and celebrate !! We have been able to negotiate further savings for you

The end of financial year is fast approaching and we wanted to share some good news in regards to fee reductions we have negotiated for you. You may remember we have talked about the ‘scale’ benefits in the group and that as we grow we are able to discuss deeper […]

Dollar Cost Averaging

Dollar cost averaging is an alternative strategy to investing a lump sum. Using this approach you invest a set amount at regular intervals over time. This method of investing can be a powerful risk reduction strategy during times of market volatility or uncertainty, and can help you avoid the pitfalls of trying to choose the best time […]

Artificial intelligence – the future of finance

Artificial intelligence – the future of finance

We often like to think of artificial intelligence as some fantasy of the distant future, the stuff of sci-fi movies. But the reality is, it’s already here. From flight comparison websites to predictive text, AI is everywhere, but what is it exactly?  AI is the development of computer systems that […]

Lowering the Cost of Delivering Financial Advice

Lowering the Cost of Delivering Financial Advice

Whilst the Banking Royal Commission was making headlines earlier in the year and for much of last year, our team have been crunching numbers, and now that the data is in, we can’t help but think our clients were the winners in 2018! When we created the Australian Advice Network […]

Media Release: Independent Investment Committee Member Announcement

Media Release: Independent Investment Committee Member Announcement

Media Release: Darren Howlin to join Australian Advice Network Asset Management as Independent investment committee member Centaur Financial Services, as a foundation member of the Australian Advice Network, the Australian Financial Services License (AFSL) in which Centaur operates under, is proud to advise we have grown our investment committee team […]

Franking credits on the chopping board

Franking credits on the chopping board

What started as an issue few people understood and even fewer cared about has suddenly become a flashpoint for self-funded retirees as we head into a federal election. Yes, we’re talking about cash refunds of franking credits. Even if you’re not directly affected it’s worth paying attention, because it’s an […]

How to keep ahead of the yield curve

How to keep ahead of the yield curve

US Interest rates have been making headlines in recent months, but do they really matter to Australian investors? The short answer is they do, a lot.  Changes in US interest rate settings have made a big impact on investment returns from bonds and shares over the past year, while uncertainty […]

Small steps add up

Small steps add up

Sometimes, when thinking about your long-term financial goals, they can seem so big as to be insurmountable. But the truth is, those that achieve financial success don’t usually do so by encountering a sudden windfall. Rather, they have in place a set of small habits that allow them to work […]

Financial Rules to live by in 2019

Financial Rules to live by in 2019

Australia has enjoyed almost three decades of economic sunshine. But it’s worth remembering that dark clouds can appear without warning over both individuals and economies. You may have little control over being caught up in a round of redundancies or experiencing the fallout of an international trade war. But you […]

2018 Year in Review

2018 Year in Review

Investors started 2018 full of hope, with the global economy and financial markets in good shape, but by year’s end they were uncertain and a little anxious about what lay ahead. Markets responded with last minute falls across all asset classes. The issues that weighed heavily at the end of […]

How to Talk with Children about Money

How to Talk with Children about Money

One of the big issues we speak with clients about is their children relationship with money. The Financial Planning Association of Australia (FPA) this year for Financial Planning week decided to focus its attention on this matter and has released some valuable information on this.

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