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Showing category "Investments" (Show all posts)

What happens when rates rise?

Posted by Naomi Rosenthal on Saturday, December 19, 2015, In : Investments 
The recent rate rise by the US Federal Reserve marks the first increase in nine years.

While we have been positioning our client portfolios to factor in this eventual rate rise, you may have some exposure to bonds.

[Read here] to understand the possible impact of rising rates on your portfolio from one of our fund managers, Franklin Templeton.

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The Benefits of Infrastructure Investing

Posted by Naomi Rosenthal on Saturday, December 19, 2015, In : Investments 
For some time, we have been overweight to infrastructure assets in our client portfolios, believing these assets will provide the returns required for our clients over the longer term.

For an insight into one of the infrastructure funds we use in client portfolios, how it is positioned, where they are (or are not investing and why) and how it has performed recently, [this video] from Portfolio Manager Gerald Stack provides an update on the Magellan Infrastructure Fund.

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Beware early withdrawal from your Term Deposit

Posted by Peter Kelly, Centrepoint Alliance on Thursday, May 14, 2015, In : Investments 

Why does my bank require a month’s notice if I want to withdraw from my term deposit early?

Many of us have money set aside for no immediate purpose, so we have often deposited the money in a term deposit offered by our bank. Banks traditionally offer term deposits for periods ranging from one month to five years. The interest rate the bank pays is set at the time we make the deposit.

However, from time to time, a situation may arise where we need to access money that is in a term depos...

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Is the Property Market Really Booming?

Posted by Gayle Walker on Thursday, May 14, 2015, In : Investments 

By guest blogger Gayle Walker

Despite continuing commentary that the Sydney property market is booming and prices are at an all time high, buyers are still hoping to acquire that great investment or dream home.  Every weekend, buyers trawl the Opens, full of enthusiasm only to be pipped at the post.  Is it really a boom market?  Or could the high prices simply be due to the fact that demand far outweighs supply?  Only a few weeks ago, the SMH weekend Domain showed 555 properties in Sydney fo...

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Sharemarket investor or business owner – which one are you?

Posted by Naomi Rosenthal on Friday, August 15, 2014, In : Investments 
Allan Gray Australia share their perspective on how to view the stock market and find worthwhile companies in which to invest.
[Click here] to read their August newsletter.
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Herd Behaviour and how you can avoid it

Posted by Naomi Rosenthal on Monday, July 21, 2014, In : Investments 
Herd behaviour is driven by emotional rather than rational behaviour. Often little attention is paid to investment fundamentals as investors focus on what other people are reacting to in the market.

How can you avoid the herd? [Read more]

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What is the Disposition Effect?

Posted by Naomi Rosenthal on Thursday, May 22, 2014, In : Investments 

The disposition effect

All investors are prone to behaviours and emotions that can lead to poor investment decisions. One of the most common of these is the tendency to sell investments that have risen in value, and hold on to investments that have fallen in value. In 1985 two academics, Shefrin and Statmen, studied this behaviour and coined it the ‘disposition effect’.

The disposition effect quickly destroys value in two ways:

1.       An investor misses out on the returns of a rising...

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Franklin Templeton Global Investor Sentiment Survey

Posted by Naomi Rosenthal on Tuesday, March 25, 2014, In : Investments 

Recent events have presented many opportunities – and challenges –for investors. In this complex financial landscape, Franklin Templeton's Global Investor Sentiment Survey provides insight into how investors are feeling about the year ahead.

For their fourth annual survey, they interviewed over 11,000 investors across 22 countries to explore some key questions, including:

  • Where do investors see the biggest opportunities – and risks?
  • Which asset classes are they adding to their portfolios?
  • A...

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The Power of Compounding

Posted by Naomi Rosenthal on Tuesday, March 18, 2014, In : Investments 
Compounding isn’t a new concept – many of us will remember studying it back in our school days. Legendary scientist Albert Einstein famously called it ‘the most powerful force in the universe’, while American business magnate John D Rockefeller suggested compounding is the ‘eighth wonder of the world’.
These might sound like bold claims, but the power of compounding on an investment portfolio should certainly not be underestimated.

[Click here] to learn how compounding can work for...

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Are you suffering from FOMO?

Posted by Naomi Rosenthal on Wednesday, November 13, 2013, In : Investments 

Do you suffer FOMO? The increased usage of social media has brought to light a new anxiety condition called FOMO – the Fear Of Missing Out. It is where social media users who are away from or unable to check their social network accounts fear missing out on events, news and important status updates.

A survey conducted recently by MyLife.com found 56% of the 2,084 adults sampled on their social media use claimed they do have FOMO.

For users between 18 – 34, 61% juggle multiple accounts (...

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5 Steps to Building a Great Investment Portfolio

Posted by Naomi Rosenthal on Thursday, June 27, 2013, In : Investments 

My favourite Warren Buffet quote is “Someone's sitting in the shade today because someone planted a tree a long time ago.”

Our society today is always looking for the quick fix. The fastest way to get rich, make a million and be a superstar. TV shows like Australian Idol, Australia’s got Talent or The Voice suggest to its audiences that you can be a star overnight. The reality is that most of the contestants who make it to the finals have been crafting and honing their talents over man...

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Are you Rebalanced?

Posted by Naomi Rosenthal on Friday, January 27, 2012, In : Investments 

What do you do when you feel out of whack? When you’re stressed out and feeling as though you’re out of balance? Many people find meditation, exercise or yoga activities that help them to rebalance and centre themselves. Or you take a visit to your masseuse, chiropractor or physiotherapist for a regular adjustment.

Just like your health, your finances can also get out of alignment. Your portfolio, whether ordinary investment or superannuation, can easily shift from your strategic (or t...

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Where's Your Patience?

Posted by Naomi Rosenthal on Friday, January 27, 2012, In : Investments 

Bill Gates once said, “Most people overestimate what they can do in one year and underestimate what they can do in ten years.”

10 years can disappear in a blink of an eye. I was chatting with friends over dinner last week discussing the real estate opportunities we had missed in the early 2000s, all for a variety of reasons and all of those reasons being other than financial.

It is easy to lament the things we didn’t do if we look back on the past with some regret. This point of...

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What you see is NOT what you get

Posted by Naomi Rosenthal on Friday, November 18, 2011, In : Investments 
Last month, a letter came into our office from an organisation that had the look and feel of a government department. They were offering “term investments” with the benefits of competitive fixed investment rates, flexible investment terms, monthly income payments and no entry or exit fees.

You’d be excused for thinking that the offer was for secure term deposits with a government guarantee.

However, the company offering the product has nothing to do with a government body and the investme...
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A Clever Strategy for getting back into the market

Posted by Naomi Rosenthal on Friday, November 18, 2011, In : Investments 
There is plenty of concern over where markets are headed with such news stories as the “European crisis” scaring us with doom and gloom commentary.

It’s at this time that Dollar Cost Averaging can help you. This is when you “drip feed” into the market by buying bit by bit, rather than all in one go. A simple way to do this is to set up a monthly Regular Savings Plan for your managed investment or an automated purchase order for your shares.

This approach means you don’t have to try ...
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Grow or go?

Posted by Naomi Rosenthal on Thursday, September 1, 2011, In : Investments 

A critical part of building portfolios is getting the right balance between income and capital appreciation to help ensure your long term investment objectives are achieved.   Often in times of market volatility we witness investors move to cash.  While the security of cash has its temptations, this strategy needs to be weighed against the potentially costly mistake of missing out on capital growth.

I just came across this great video from Zurich Investments which explains the importance of ...

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