Author Archives: AdminX5y7WrK

Lonsec Market Commentary – June 2016

Lonsec Market Commentary – June 2016

Lonsec Market Commentary – June 2016

Australian shares fell over June, largely due to the impending Brexit. The largest falls were in the Information Technology, Financial and Consumer Staples sectors.

We not only felt the impact of Brexit but also political uncertainty as the federal election campaign continued. Despite this, inflation remained low and the RBA left the cash rate on hold again. Employment also rose, as did retail sales.

Concerns over Brexit affected global markets significantly as the effects on markets in the short and medium term are difficult to gauge.

The Australian Dollar rose again the US Dollar, Euro and Pound over the month.

For a full summary and more information about Brexit, you can read the June Lonsec Market Commentary here:

Lonsec Market Commentary – June 2016

Lonsec Market Commentary – June 2016 in Western Australia, Independent Financial Advisers in Western Australia, financial adviser in Western Australia, online insurance in Western Australia, debt management in Western Australia, trauma insurance in Western Australia, insurance in Western Australia, total and permanent disability insurance in Western Australia, life insurance industry in Western Australia

Lonsec Market Commentary – June 2016, Independent Financial Advisers, financial adviser, online insurance, debt management, trauma insurance, insurance, total and permanent disability insurance, life insurance industry

Lonsec Market Commentary – June 2016 in Western Perth, Independent Financial Advisers in Western Perth, financial adviser in Western Perth, online insurance in Western Perth, debt management in Western Perth, trauma insurance in Western Perth, insurance in Western Perth, total and permanent disability insurance in Western Perth, life insurance industry in Western Perth

Susan, Beldon – 7 July 2016

Susan, Beldon – 7 July 2016

I have been a client of Marijana’s for over ten years. At our latest review I mentioned in passing that I had had a melanoma removed 7 years ago. Even though I have had trauma insurance in place for some time, I never thought I could claim on something like that as it was removed and I haven’t had further problems.

Marijana said this was exactly what my trauma insurance was for and arranged for me to claim on my policy.

I couldn’t believe how easy it was. Jennifer arranged the paperwork for me and then I went to my doctor for him to complete one form.

I thought I could probably get around 10% (which I thought was about $10,000) of my policy value paid out, which sounded great.

Jennifer and Mei kept me informed as my case progressed and not long after I got a phone call from Marijana telling me I was receiving 100% of my policy! I was so excited and can’t believe how easy they made the whole process.

3 business days later I had the money in my account. Marijana, Mei and Jennifer were so helpful and I am so grateful to them. I couldn’t have done this on my own.

Susan, Beldon – 7 July 2016 Aus, retirement planning Aus, insurance Aus, self managed super funds Aus, superannuation Aus, wealth management Aus, business risk solution Aus, life insurance Aus

Susan, Beldon – 7 July 2016 WP, retirement planning WP, insurance WP, self managed super funds WP, superannuation WP, wealth management WP, business risk solution WP, life insurance WP

Susan, Beldon – 7 July 2016, retirement planning, insurance, self managed super funds, superannuation, wealth management, business risk solution,life insurance

Lonsec Market Commentary – May 2016

Lonsec Market Commentary – May 2016

The S&P/ASX 200 Index was up over May, finishing at 5,378.56, the highest level since August 2015. Health Care, Information Technology and Consumer Discretionary sectors lead the rise, while Materials and Energy fell.

Even though the RBA remains concerned about low inflation, GDP is running at an above-trend 3.1% year-on-year.

The Australian Dollar fell against the US Dollar over May, down from $0.7603 to $0.7234.

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

Lonsec Market Commentary – May 2016

permanent disability insurance in WA, financial information in WA, financial objectives in WA, debt management in WA, cash flow management in WA

Lonsec Market Commentary – May 2016 Perth, permanent disability insurance Perth, financial information Perth, financial objectives Perth, debt management Perth, cash flow management Perth

Lonsec Market Commentary – May 2016, permanent disability insurance, financial information, financial objectives, debt management, cash flow management

LIFE Quarterly – April 2016

LIFE Quarterly – April 2016

In this issue we look at getting your personal finances under control, superannuation as a retirement strategy, what a comfortable retirement looks like and the best financial apps for your phone.

If you have any questions about any of this month’s articles please do not hesitate to call our office.

LIFE Quarterly – April 2016

LIFE Quarterly – April 2016, cash flow management, self managed super funds, financial health checkup, life planning, market finance planning, financial goals

LIFE Quarterly – April 2016 WA, cash flow management WA, self managed super funds WA, financial health checkup WA, life planning WA, market finance planning WA, financial goals WA

LIFE Quarterly – April 2016 Australia, cash flow management Australia, self managed super funds Australia, financial health checkup Australia, life planning Australia, market finance planning Australia, financial goals Australia

Lonsec Market Commentary – April 2016

Lonsec Market Commentary – April 2016

The ASX continued it’s recovery from its February lows this month, with April returns (as measured by the S&P/ASX 200 Accumulation Index) at 3.37%. Gains were driven by the Materials, Energy and Financials sectors.

Globally, the S&P 500 Index fell 1.42%, the DAX finished up at 0.74% and the FTSE 100 ended April up 1.09%. The Nikkei 225 Index and the Shanghai Shenzhen CSI 300 Index were down, while the Hang Seng finished up.

The RBA dropped interest rates in April to a new historic low of 1.75%, advised as a preemptive move to avoid deflation.

In Australia we also saw unemployment fall again in March, retail turnover rise 0.4% and the trade deficit narrow.

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

Lonsec Market Commentary – April 2016

Lonsec Market Commentary – April 2016 AUS, financial information AUS, personal financial goals AUS, retirement savings AUS, income protection insurance AUS, estate planning AUS,

Lonsec Market Commentary – April 2016, financial information, personal financial goals, retirement savings, income protection insurance, estate planning,

Lonsec Market Commentary – April 2016 WA, financial information WA, personal financial goals WA, retirement savings WA, income protection insurance WA, estate planning WA,

Lonsec Market Commentary – March 2016

Lonsec Market Commentary – March 2016

The S&P/ASX 200 regained some of the ground lost in February but is still down 15% from it’s April high from last year. Equities were up by 4.78% for the month of March but were down 9.27% over the year to March. All sectors were positive over the month.

Markets across Asia, Europe and the USA all recovered over March.

Unemployment in Australia fell back to 5.8% after the January increase, with Queensland, Victoria and New South Wales taking the lead. Unemployment in Europe fell slightly as well, down to 10.30%, which is the lowest rate since August 2011.

For a summary of how markets performed in March, you can read the Lonsec Market Commentary here:

Lonsec Market Commentary – March 2016

Lonsec Market Commentary – March 2016, retirement savings, life insurance, wealth management, self managed super funds, income protection insurance, insurance, financial health checkup, permanent disability insurance, retirement savings, online insurance

Lonsec Market Commentary – March 2016 in WA, retirement savings in WA, life insurance in WA, wealth management in WA, self managed super funds in WA, income protection insurance in WA, insurance in WA, financial health checkup in WA, permanent disability insurance in WA, retirement savings in WA, online insurance in WA

Lonsec Market Commentary – March 2016 at Murray Street, retirement savings at Murray Street, life insurance at Murray Street, wealth management at Murray Street, self managed super funds at Murray Street, income protection insurance at Murray Street, insurance at Murray Street, financial health checkup at Murray Street, permanent disability insurance at Murray Street, retirement savings at Murray Street, online insurance at Murray Street

From the Financial Planner

From the Financial Planner

Marijana shared her five top tips for women to get ahead financially in The West Australian’s Mind+Body lift out on Wednesday, March 26th, 2016.

If you’re looking to get your finances in order and start planning for the future, these tips are a great place to start. For further information or to get started with your free Financial Health Check you can contact us here http://www.lifefinancialplanners.com/contact-us/

The article from the Mind+Body life-out is available here:

From the financial planner From the Financial Planner From the Financial Planner From the Financial Planner 24 March 2016

From the Financial Planner, Independent Financial Advisers, Life Financial Planners, financial adviser, financial planners, personal insurance, debt management

From the Financial Planner at Murray Street, Independent Financial Advisers at Murray Street, Life Financial Planners at Murray Street, financial adviser at Murray Street, financial planners at Murray Street, personal insurance at Murray Street, debt management at Murray Street

From the Financial Planner at Australia, Independent Financial Advisers at Australia, Life Financial Planners at Australia, financial adviser at Australia, financial planners at Australia, personal insurance at Australia, debt management at Australia

Matters of death and life

Matters of death and life

Marijana was once again asked to contribute to an article by Neale Prior in The West Australian on Monday, March 6th, 2016.

In ‘Matters of death and life’ Marijana discusses the importance of completing a full analysis of your current super funds before consolidating them. Many of us have insurance attached to our super that we may not even know about. Marijana explains how important it is to look at what you already have before you make any changes.

As Marijana mentions, it’s always important to consider the implications before making alterations to your super. If you’re looking to sort out your super, contact us first for your free initial consultation here: http://www.lifefinancialplanners.com/contact-us/

The full article from the ‘Your Money’ lift-out is available here:

Matters of death and life – The West 6 March 2016 (Pg 1)

Matters of death and life – The West 6 March 2016 (Pg 2)

Matters of death and life, wealth management, business services, cash flow management, financial plans, insurance policy, debt management, estate planning, financial solutions, personal insurance, independent financial adviser

Matters of death and life in Australia, wealth management in Australia, business services in Australia, cash flow management in Australia, financial plans, insurance policy in Australia, debt management in Australia, estate planning in Australia, financial solutions in Australia, personal insurance in Australia, independent financial adviser in Australia

Matters of death and life at perth, wealth management at perth, business services at perth, cash flow management at perth, financial plans at perth, insurance policy at perth, debt management at perth, estate planning at perth, financial solutions at perth, personal insurance at perth, independent financial adviser at perth

Lonsec Market Commentary – February 2016

Lonsec Market Commentary – February 2016

The Australian market continued to trend down in February, with the S&P 300 Accumulation Index down 1.72% over the month. Telecommunications, Information Technology and Financials were all down, while Resources and Materials recovered some lost ground.

While volatility remains an issue in Australia (as well as internationally), consumer sentiment rose in February. Retails sales also grew, albeit less than was expected.

The RBA kept interest rates on hold again and provided no clear indication as to whether they plan to make changes in the near future.

For more of the domestic and international economic news for February you can read the full Lonsec Market Commentary here:

Lonsec Market Commentary – February 2016

Lonsec Market Commentary – February 2016, financial planners, financial plans, personal insurance, financial services, online insurance, retirement planning

Lonsec Market Commentary – February 2016 in Western Australia, financial planners in Western Australia, financial plans in Western Australia, personal insurance in Western Australia, financial services in Western Australia, online insurance in Western Australia, retirement planning in Western Australia

Lonsec Market Commentary – February 2016 in Murray Street, financial planners in Murray Street, financial plans in Murray Street, personal insurance in Murray Street, financial services in Murray Street, online insurance in Murray Street, retirement planning in Murray Street

Lonsec Market Commentary – January 2016

Lonsec Market Commentary – January 2016

As has been widely reported in the media, we have had a volatile start to 2016 with the S&P/ASX 300 down 5.5% over January. Global market weakness and sentiment spurred the downward trend, with only the Telecommunications and Utilities sectors up for the month.

All major global indices fell over January, mostly due to slowing growth in China and a continuing drop in the oil price.

While the oil price fell over the month, gold, silver, tin, zinc and aluminium all made gains.

For more of the domestic and international economic news for January you can read the full Lonsec Market Commentary here:

Lonsec Market Commentary – January 2016

Lonsec Market Commentary – January 2016, insurance, self managed super funds, insurance policy, online insurance, financial services, financial plans,

Lonsec Market Commentary – January 2016 in AUS, insurance in AUS, self managed super funds in AUS, insurance policy in AUS, online insurance in AUS, financial services in AUS, financial plans in AUS,

Lonsec Market Commentary – January 2016 Western Perth, insurance Western Perth, self managed super funds Western Perth, insurance policy Western Perth, online insurance Western Perth, financial services Western Perth, financial plans Western Perth,