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Investing

Quick Investment Update
Business

Quick Investment Update

Thoughts from the Franklin Templeton Fixed Income Team. The Australian Bloomberg Ausbond Composite Bond Index just completed its worst monthly return IN HISTORY with February returning a whopping -3.59% as bonds crumbled. We like to think the dysfunctional market conditions of March 2020 won’t be repeated for a long time, […]

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Algorithms driving our narrowing focus
Investing

Algorithms driving our narrowing focus

There’s no doubt we live in a curated world. Online algorithms serve up content designed to meet our needs based on what we’ve liked and engaged with in the past. And while this can help us find what we’re looking for, the problem is that while these algorithms reflect our […]

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Lessons from 2020 to secure a bright future
Financial Planning

Lessons from 2020 to secure a bright future

It was a year most of us would like to forget. And yet, some of the toughest lessons of 2020 had a silver lining. We weathered bushfires, floods, a pandemic that’s not over yet and a recession that is. Through it all, we emerged a stronger community. Many of us […]

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2020 Year in Review
Economy

2020 Year in Review

Just as we were recovering from the long drought and the worst bushfires on record, the global coronavirus pandemic took hold and changed everything. Suddenly, simple things we took for granted, like going to the office or celebrating special occasions, were put on hold. While life is still not back […]

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Review of 2020, outlook for 2021 – from Pandemic to Recovery
Business

Review of 2020, outlook for 2021 – from Pandemic to Recovery

Key points 2020 was dominated by the Coronavirus pandemic but shares saw okay returns on the back of policy stimulus and vaccine optimism, resulting in constrained but positive returns for balanced growth super funds. For 2021, the combination of massive policy stimulus and the prospect of vaccines allowing a return […]

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Five tips for a better retirement
Retirement

Five tips for a better retirement

Retirement is an exciting time. It’s the long-awaited reward for a lifetime of work and, if you’ve planned it correctly, it heralds a life stage synonymous with relaxation and enjoyment. However, to make sure your retirement is everything you’d hoped for, it’s crucial to make smart decisions to help you […]

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Making your savings work harder
Investing

Making your savings work harder

With tax cuts and stimulus payments on the way, Treasurer Josh Frydenberg is urging us to open our wallets and spend to kick start the national economy. But if your personal balance sheet could do with a kick along, then saving and investing what you can, also makes sense. One […]

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Granny flats: tax tips and traps
Tax

Granny flats: tax tips and traps

The idea of adding a granny flat to your property sounds like a great idea. A property to rent out to generate some welcome extra income, or a home for adult children or mum and dad in their later years. But there are important tax and personal considerations to consider […]

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Managing investment risk in uncertain times
Investing

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 […]

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How to spend and invest at the same time
Investing

How to spend and invest at the same time

https://centaurfinancial.com.au/investing/how-to-spend-and-invest-at-the-same-time/

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

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 […]

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5 common financial mistakes to avoid during a crisis
Finances

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 […]

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Balancing wealth and happiness
Finances

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 […]

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Year in Review – Investment Insights
Coronavirus

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 […]

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A baby boomer’s retirement path
Retirement Planning and Superannuation

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 […]

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New financial year – new perspective
Financial Planning

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, […]

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Unintended consequences of Government COVID-19 Policies
Economy

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 […]

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Is your SMSF balanced?
SMSF

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 […]

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Support for business investment
Coronavirus

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 […]

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Making peace with the unknown
Coronavirus

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 […]

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Coronavirus and Global Volatility
Financial Planning

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 […]

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Hold on – Bumpy markets ahead
Investing

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 […]

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Ins and outs of SMSF property investing
Investing

Ins and outs of SMSF property investing

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

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Steering through choppy seas
Economy

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. […]

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Building wealth in diversity
Economy

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 […]

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Positives and Negatives of Negative Gearing
Investing

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 […]

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Making the most of falling interest rates
Property

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 […]

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

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 […]

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Dollar Cost Averaging
Financial Planning

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 […]

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Artificial intelligence – the future of finance
Investing

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 […]

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