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LIFE Quarterly – June 2017

Life Quarterly – June 2017

In this month’s edition of Prepare for Life, we recap on some of the key topics of this year’s Federal Budget, touching on bills that will see changes to the economy, housing affordability, tax, superannuation, education, aged care, social security and health.

It seems, in this day and age, with new technologies surrounding how we pay for things, we have lost accountability for our spending and sometimes living beyond our means.   We look back at the old days, before the plastic card and smart phone, to a time when we were better able to manage our monies.  If you would like to complete a new budget to help you better manage your funds, we will be happy to send this to you.

1 July is around the corner where we will see new legislation affecting contribution caps to superannuation, further limiting those of you who are building your retirement savings.  If you have any questions about how you can best utilise your time to contribute before June 30, do not hesitate to give me a call for a friendly chat.

As always, if there is anything in this issue that you’d like to discuss in further detail please do not hesitate to contact us

Life Financial Planners 2017 Q2

LIFE Quarterly – December 2016

LIFE Quarterly – December 2016

In this issue we look at changes to the assets test issued in the 2015 Budget which is coming into effect 1 January, impacting the Aged Pension payments.

We discuss why it is so important to engage in your superannuation affairs coming in to 2017 as we prepare for the new legislation limiting how we contribute to super.

With Christmas around the corner  we witness an increase in cheer and a decrease in funds, click the link below to read more in this quarters LIFE Quarterly;

LIFE Quarterly – December 2016

Lonsec Market Commentary – April 2017

Lonsec Market Commentary – April 2017

Full-time employment continues to grow after falling through much of 2016, increasing  by 74,500 in March, while part-time employment fell by 13,600.  The employment-to-population ratio appears to have steadied at around 61%.

The advance estimate of US Q1 GDP showed annual growth at 0.7%, down from 2.1% recorded in Q4 2016 and considerably lower than the consensus estimate of 1.2%.  Consumer spending – the main engine room of the economy – rose only 0.3% versus 3.5% in Q4, representing the worst performance since 2009.

The price of iron ore delivered to Qingdao in China tumbled 14.4% in April after falling 11.9% in March, ending the month at US $68.80/t, much reduced from its February high of $94.86.

To read more about local and international market affairs you can read the April 2017 Lonsec Market Commentary here:

Lonsec Market Commentary – April 2017

Lonsec Market Commentary – March 2017

Lonsec Market Commentary – March 2017

The Australian market powered on through March, returning 3.32% during the month, with all sectors gaining.

In the US, markets moved slightly higher, with the S&P 500 TG Index gaining 0.90% in AUD terms, while the Dow Jones Industrial Index was down 0.30%.

On 4 April, the RBA left the cash rate on hold at 1.5% where it has been since the August 2016 cut.

The unemployment figures for February showed an increase in employed persons of 5,200 in trend terms, although in seasonally adjusted terms employment fell by 6,400.  The good news was the resumption of growth in full time employment, which rose 27,100 in seasonally adjusted terms, following January’s fall of 44,800.

To read more about the current market, please click on the link below;

Lonsec Market Commentary – March 2017

Lonsec Market Commentary – December 2016

Lonsec Market Commentary – December 2016

The Australian market ended on a high note, with the Santa rally in full swing.

The US market still appears unbreakable, with the S&P 500 TG Index adding 4.05% in December.  Valuations, while not at egregious highs, are making investors wary.

With a paucity of local data over the Christmas break and no RBA meeting in January, investors were allowed a short reprieve from the flow of economic releases, giving them time to get their heads around 2017.

To read more, click on the below Lonsec Market Commentary for December 2016;

Lonsec Market Commentary – December 2016

Lonsec Market Commentary – October 2016

Lonsec Market Commentary – October 2016

The Australian market sold off in October, with the S&P/ASX 200 following US indices down to end the month at 5,229.00 pts. All sectors suffered, with the exception of Materials, which was able to add to large gains over the past five months, returning 1.29% in October, while the Financials sector produced a small positive return of 0.76%, with modest gains from the big four.

Global shares were down in October, with a gradual sell-off in the US and renewed pressure on the UK market. Europe’s largest shares managed to bounce back from recent falls, allowing the European index to finish in positive territory. Global shares, measured by the MSCI World TR Index, returned -1.36% in AUD terms, while the S&P 500 TG Index returned -1.27%, with some pre-election nerves making themselves felt throughout the month

Read more in the link below

lonsec-market-commentary-october-2016

LIFE Quarterly – September 2016

LIFE Quarterly – September 2016

LIFE Quarterly – September 2016

In September’s issue we look at the importance of updating Centrelink as your income or assets change, the difference between direct, retail and group insurance and impact of gambling on Australia.

If you’d like more information on any of the articles in this quarter’s letter please let us know.

LIFE Quarterly – September 2016

LIFE Quarterly – September 2016, self managed super funds, superannuation, wealth management, business risk solution, business services, business succession

LIFE Quarterly – September 2016 AUS, self managed super funds AUS, superannuation AUS, wealth management AUS, business risk solution AUS, business services AUS, business succession AUS
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Lonsec Market Commentary – August 2016

Lonsec Market Commentary – August 2016

Lonsec Market Commentary – August 2016

After the RBA cut interest rates to an historic low of 1.50% Australian markets dipped over the month, finishing down at the end of August.

The largest gains over the month were in the technology, energy and consumer staples sectors.

International markets remained quiet with most global equity indices relatively flat over the month.

For the full summary, you can read the August Lonsec Market Commentary here:

Lonsec Market Commentary – August 2016

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Lonsec Market Commentary – August 2016 Western Australia, business services Western Australia,financial business Western Australia, market finance planning Western Australia, financial goals Western Australia, financial objectives Western Australia, retirement saving Western Australia

Lonsec Market Commentary – August 2016, business services,financial business, market finance planning, financial goals, financial objectives, retirement saving

Lonsec Market Commentary – July 2016

Lonsec Market Commentary – July 2016

All sectors of the Australian market were up across August, with the largest gains seen in Consumer Discretionary, Consumer Staples and Materials.

Global markets were calmer over July, especially compared with the anxiety caused in June from Brexit.

The RBA dropped the cash rate to 1.5% in early August, meaning the cash rate has now been kept below 3.00% for 38 consecutive months. This has been largely due toWith continuing weak inflation figures and emerging downside risks in the global economy.

For the full summary, you can read the July Lonsec Market Commentary here:

Lonsec Market Commentary – July 2016

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Lonsec Market Commentary – July 2016 Au, financial information Au, market finance planning Au, life planning Au, life insurance Au, self managed super funds Au, insurance Au,

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