A Clear Direction Financial Planning in Brisbane City | Investing service

A Clear Direction Financial Planning

Locality: Brisbane City

Phone: +61 7 3379 6068

Address: Level 19, 10 Eagle Street 4000 Brisbane City, QLD, Australia

Website: http://www.acleardirection.com.au/

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23.01.2022 The May Budget set out proposed changes to the Home Downsizer Contribution rules. Don't be deceived by the title, you don't necessarily have to be downsizing to take advantage. Tony Kaye from Vanguard sets out what you need to know in a recent piece. http://ow.ly/5CKR50EVnfb

19.01.2022 A great post here from our friends at Mancell Financial Group. http://ow.ly/Ey1650Ee0Fx

18.01.2022 Vanguard have recently released their economic and market update. It provides a concise summary of how economies are placed in various areas of the world. Vanguard also provide an update to their forecasts for 10 year returns for a number of asset classes in Australian dollar terms. The key takeaways here are to expect lower returns for longer especially with bonds. This in turn suggests that we may need to dampen our expectations for future portfolio performance at least in the short to medium term. http://ow.ly/Arvs50BNW0V

17.01.2022 Is a financial advisor worth the cost? This is a crucial question to be asking before heading down the path of engaging with professional financial advice. There are a number of variables to identify before you can successfully answer this question with the two key ones being: - What value will an adviser bring me?... - What exactly is it going to cost to achieve that value? The latter is probably more easily definable. A recent report sets this at an average level of $3,558 per annum per client (http://ow.ly/Klsy50BRTbG) Some financial advice clients might be paying a lot less than this with others paying a lot more depending on the offering from the firm in question. Some firms, like ours, will scale fees depending on the level of service, complexity and affordability for each individual client. Whatever the amount, it is likely a significant cost for many so what is the exact value that you should expect to get back? Russell Investments have put some thought and resources into defining the value that a client can expect to receive. In the following article they provide some initial points for clients to consider along with a simple case study around financial advisors providing protection against making behavioural mistakes like selling out at the depths of market falls or falling the herd to buy in when assets are potentially over valued. Well worth a read. If you would like to know more request their 2020 Value of an Adviser Report or get in contact with us to get a copy. http://ow.ly/yv4B50BRTbx

16.01.2022 Welcome to Financial Planning Week, Australia! Now in its 20th year, this year’s event coincides with the global celebrations of World Investor Week and World ...Financial Planning Day on Wednesday 7 October under the global theme Live your today. Plan your tomorrow. Learn more about the week at: https://www.moneyandlife.com.au//financial-planning-week-/ #FPWeek2020 #WFPD2020

14.01.2022 A Clear Direction's 2020 Budget - Personal Finance Summary has been emailed through to clients earlier today. The key items coming out of the budget for us were: - The bringing forward of personal income tax cuts - A range of tax incentives for businesses... - Additional economic stimulus payments to concession recipients Please find following a link to the PDF copy of our summary. http://ow.ly/3GC150BLCWd

11.01.2022 I am often having discussions with my wife about putting a value on the time that we spend especially if that time is being used to eke out a small saving. This can be a particularly hard fought debate when it relates to our down time on weekends. It’s often said that time and convenience become more valuable as we age and as our responsibilities expand. So it makes sense to think about our limited time as an asset that we should manage just as we exercise care in managing money. Blogger Ben Carlson offers some valuable insights on the subject here. http://ow.ly/k9TV50ECZ4z

10.01.2022 What a timely week to have Financial Planing week for 2020 in conjunction with the announcement of the Federal Government budget later this evening. The Budget may deliver a specific reason to get in touch with a financial planner or it might just be another spark to take action about your future plans. We at A Clear Direction encourage you to reach out to a financial planner to sit down with them to have a discussion about how they might be able to assist you in achieving those fife goals that require financial support.

10.01.2022 Are you thinking of investing but feel held back? Here's a piece from Tony Kaye at Vanguard explaining how you can overcome some common investment barriers like not knowing what to invest in or how much money you need to begin. http://ow.ly/pqQ950EVnaY

09.01.2022 The 2021 Vanguard Index Chart powerfully illustrates how sticking to a long-term investment plan, with diversification across a range of asset classes, allows you to grow your wealth even in the face of market crises and short-term volatility. To learn more, visit: https://vanguard.com.au/indexchart

07.01.2022 According to Vanguard's 2021 Index Chart, investors who stay the course tend to be more successful in the long run than those who try to time when to buy and sell. Vanguard have emphasised the importance of diversification and the power of compounding returns in their assessment of the data. http://ow.ly/ueA650FT2h2

07.01.2022 Investors can’t afford to fall for false or biased financial stories touted as legitimate news. But with so much information out there, this task is getting harder. The simplest way of avoiding scams is to turn your devices off. But that’s not always practical, so here are seven ways of protecting yourself. http://ow.ly/HuHp50EysA1

06.01.2022 The 2021 Federal Government Budget address has been delivered in Canberra overnight. The link that follows takes you to our summary focused on the major changes to individual and family personal finances grouped into three main areas tax planning, superannuation & retirement planning and government benefit planning. If anything in this summary raises an issue that you need assistance to navigate please do not hesitate to be in contact. http://ow.ly/yU3l50EKtI2

06.01.2022 As the recent death of Ponzi king Bernie Madoff reminded us, even the most sophisticated investors can get caught by investment scams. With that in mind, Australia’s corporate regulator offers this useful guide to spotting scams and finding good information, including starting by having an advisor on your side. http://ow.ly/plfE50EysvJ

03.01.2022 When talking retirement planning we can easily fall into the trap of thinking that everything needs to be invested through a tax exempt superannuation pension account to ensure that you do not lose retirement income to the tax man. However, thanks to a seldom referred to tax offset a retiree can afford to hold a significant amount of investments, particularly income producing low capital gain assets, without risking paying tax. This article published by National Seniors ex...plains how the Seniors and Pensioners Tax Offset (SAPTO) works. http://ow.ly/7NlE50EzhLt

03.01.2022 A conversation I am having with a number of clients whom are already in their full retirement years and accessing part or full Age Pension payments is whether accessing capital out of the value of the family home is worth considering. In this article published by Firstlinks, Dr Deborah Ralston from the Monash University clearly sets out the available options. Well worth a read. http://ow.ly/2vIv50Eg3Lj

02.01.2022 Dimensional Fund Advisors have published an informative interactive chart looking at performance of the US share market through US presidencies going back to 1929. Well worth a look if you have an interest in politics and whether there is a connection with share returns. http://ow.ly/Avjt50BKrBA

01.01.2022 Barely a day goes by at the moment when there isn't something in the news about crypto currency. Here is a decent short introductory video from Morningstar in the US setting out what it is. http://ow.ly/y45M50EE3jI

01.01.2022 If you are looking for a concise summary of the global and Australian economies and markets through the March quarter Vanguard's update is worth a read. http://ow.ly/q8YG50Ezucd