Quarterly Economic Update: July-September 2020

COVID-19 remained the big story of the last quarter. Tragically, by the end of September the pandemic had caused over one million deaths. That was up by 500,000 since the end of the previous quarter, and many countries were experiencing devastating ‘second waves’. While most of Australia managed to keep case numbers of coronavirus at […]

Small business insurance – why you need it

Several years ago, Steve and Brian started a small web-design business, GotyaOnline. Steve was responsible for growing and supporting their client-base, while Brian designed and built the websites. Expanding to include maintenance of client databases and online shopping facilities, they bought new technical equipment and rented office space. Recognising the importance of insurance, they sought […]

Positioning your portfolio in turbulent times

As any experienced investor knows, all investment markets have their ups and downs. Regardless of investor experience, turbulent times are a cause of anxiety, and that can lead to poor decision-making.  So, if turbulent markets are inevitable, even if their timing is not predictable, how should portfolios be positioned in anticipation of, and in response […]

Beating mortgage stress

Once upon a time, banks would lend would-be homeowners a sum of money based on repayments being less than 30% of the borrower’s gross income. As interest rates fell in the early 90s and competition from non-bank lenders flourished, home loan providers relaxed this rule and increased the flexibility of loans generally. Many Australians are […]

Preparing for retirement in uncertain times

As most long-term investors know, investment markets have their ups and downs. The downs are usually associated with periods of uncertainty, perhaps due to political or economic factors, or even natural disasters. Uncertainty leads to volatility – more extreme movements in asset prices – which can have a big impact on portfolio values. This can […]