How to manage rising interest rates
June 1, 2022
Rising interest rates are almost always portrayed as bad news, by the media and by politicians of all persuasions. But a rise in rates cuts both ways. Higher interest rates are a worry for people with home loans and borrowers generally. But they are good news for older Australians who depend on income from bank…
Salary sacrifice to cut tax and boost your super
May 27, 2022
This time of year, people’s thoughts start turning to their tax return, but it can also be a good time to set things up so you don’t pay more tax than required next financial year. Simply talking to your employer about setting up an arrangement to “sacrifice” some of your pre-tax salary could potentially lower…
Investment Committee Update – May 2022 | AAN
May 11, 2022
As we continue to see significant market volatility, we thought we would provide you with an update on what the Committee has been implementing in the Investment models as we move through this investment cycle. PORTFOLIOS REWEIGHTED As always, at the end of the quarter (31 March) the portfolios were re-weighted back to the original…
Market Movements & Review Video – May 2022
May 3, 2022
Stay up to date with what’s happened in Australian markets over the past month. The economic event that overshadowed all others in April was the increase in inflation. The release of the March quarter Consumer Price Index (CPI) showed inflation up 2.1% in the quarter and 5.1% on an annual basis. This was the biggest…
Avoiding emotional bias in financial decision making
April 29, 2022
Our emotions colour every aspect of our lives including our financial lives. Recognising how emotions can influence your financial decision-making puts your rational side back in the driver’s seat and can help you to achieve positive outcomes in business and your personal finances. So where do our feelings about our finances come from? We are…
Thriving on social connection
April 29, 2022
The phrase ‘no man is an island’ is from a poem written by John Donne and expresses the idea that humans need to be part of a community to thrive. That’s certainly true, by nature we are social creatures and connection is a core human need. So why do some many of us feel alone…
Sowing the seeds of succession
April 29, 2022
Succession planning can be difficult at the best of times without dealing with the added pressures farmers have recently faced with droughts, fires and floods. And that’s why it is even more important to plan early and get it right when you are on the land. You are not just dealing with a business, but…
The Road Ahead for Shares
April 29, 2022
Trying to time investment markets is difficult if not impossible at the best of times, let alone now. The war in Ukraine, rising inflation and interest rates and an upcoming federal election have all added to market uncertainty and volatility. At times like these investors may be tempted to retreat to the ‘’safety” of cash,…
Quarter 1 Investment Update – AAN
April 26, 2022
We are delighted to share with you, a copy of the latest AAN Asset Management Quarterly Investment update. This issue includes: • Investor letter & update • AAN Core Model • AAN Growth Model • AAN Australian Model • AAN Index Core Model • AAN Index Growth Model • AAN Sustainable Growth Model To view the…
Quarterly Investment Update from the AAN Investment Committee
April 6, 2022
As many of you will note, the AAN Investment Committee have long maintained the policy of rebalancing models on a quarterly basis, and this was actioned last Friday. This process involves trimming positions that have performed well, topping up those that haven’t, and as part of this rebalance a number of changes were made to…
Market movements & review video – April 2022
April 1, 2022
Stay up to date with what’s happened in Australian markets over the past month. The war in Ukraine added a major new source of uncertainty to the local and global economic outlook in March. Inflationary pressure continued as global economies recover from the pandemic and as crude oil prices surged due to economic sanctions against…
Federal Budget 2022-23: Spotlight on tax
March 31, 2022
Tax offsets and temporary cuts were at the heart of this year’s Federal Budget as the government attempts to woo voters in the run-up to the election. Treasurer Josh Frydenberg emphasised the crucial role of his tax measures in helping Australians cope with the growing cost of living pressures and in supporting the small businesses…
Budgeting for success in 4 easy steps
March 31, 2022
With all eyes on the Federal Budget and balancing the nation’s books, it’s a good time to review your personal balance sheet. If it’s not as healthy as you would like, perhaps it’s time to do a little budget repair of your own. Just as governments need to set policy objectives and budget for future…
Scams to beware (and be aware) of
March 31, 2022
There is a saying ‘a fool and his money are often parted’ but with scammers becoming ever more devious and sophisticated in their methods, it pays for everyone to be aware of the latest tricks being employed. According to Australian Competition and Consumer Commission (ACCC) data, last year was the worst year on record for…
Sharing super a win-win for couples
March 31, 2022
Australia’s superannuation system is based on individual accounts, with men and women treated equally. But that’s where equality ends. It’s a simple fact that women generally retire with much less super than men. The latest figures show women aged 60-64 have an average super balance of $289,179, almost 25 per cent less than men the…
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