Andre Thane, Principal of Thane Group in Perth, Western Australia | Financial planner

Andre Thane, Principal of Thane Group

Locality: Perth, Western Australia

Phone: +61 8 9409 2688

Address: Unit 2A / 32 Prindiville Drive Wangara 6065 Perth, WA, Australia

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

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25.01.2022 It’s the effort we make that defines us. Andre Thane #ThaneGroup #ThaneGroupTeam #AndreThane #Quote #QuoteOfTheDay #Inspiration #Effort

24.01.2022 RBA CASH RATE ANNOUNCEMENT - Tuesday 3rd October, 2017 At its meeting today, the RBA Board have again made the decision to leave the cash on hold at the record low 1.50%. Please see below link to Statement by Philip Lowe, Governor: Monetary Policy Decision... https://www.rba.gov.au/media-releases/2017/mr-17-21.html If there is anything you wish to discuss I regards to this, please don’t hesitate to contact me on 0437 922 210. Disclaimer: This post and or its links & attachments or the content of the post or links & attachments do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links & attachments are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its recipient

24.01.2022 NEWSFLASH - RBA CASH RATE ANNOUNCEMENT TUESDAY 1ST AUGUST 2017 Again, as widely predicted, the RBA cash rate has been left on hold at 1.50%. This will be a full year (financial year) that interest rates have remained unchanged. The recent upward pressure on the Australian dollar is challenging the RBA to make any movement at the moment, as it is in direct contrast with the rest of the economy. Therefore we see no reason for interest rate changes in the near future. If ther...e is anything you wish to discuss I regards to this, please don’t hesitate to contact me on 0437 922 210. Disclaimer: This post or the content of this post do not represent the views, intentions or advice of any business component of the Thane Group. This post is not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its audience.

23.01.2022 Discussing Interest Rates The Reserve Bank has once again left the cash rate on hold when they met earlier this month. Whilst the result was not surprising, the commentary behind the decision has changed somewhat since their last announcement. Inflation is moving faster than they anticipated despite covid-19, and the recovery has been strong, and they have indicated that cash rate rises may occur earlier than they originally anticipated. Looking at the broader commentary,... the view of the Reserve Bank is conservative compared to the commentary by the economists of the big four banks, of which most are indicating interest rate rises in early 2023 (possibly late 2022 if inflation continues on this path). This is already reflecting in some fixed rate changes and interest rate negotiations at the bank level. Having said all that, there is no indication that interest rates could run away from us in the medium term, particularly while we still wrestle with covid-19 on the Eastern Seaboard. If you would like to take a closer look at your interest rates, please feel free to contact me on 0437 922 210 or [email protected] Disclaimer: This post and or its links or the content of the post or links do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its audience. #ThaneGroup #ThaneGroupTeam #AndreThane #Finance #InterestRates #CashRates #Inflation #FinancePerth #FinancialPlanningPerth #RegisteredFinancialPlanner #RegisteredFinancialPlanner #FinancialAdvisor #FinancialAdvisorPerth #RegisteredFinancialAdvisor

22.01.2022 GETTING THE MOST OUT OF YOUR HOME LOAN Your home loan is one of your biggest financial challenges. Below are a few tips that you should be considering in order to reduce your interest bill and be debt-free sooner: 1. Use an offset account or multiple offset accounts.... This is a low-cost, high impact way to reduce your interest bill and maximise the effect of every payment you make. 2. Pay half your monthly payment, fortnightly. This puts you on a 28 day payment cycle instead of a 30 or 31, and therefore you pay off more per year 3. Cancel your redraw. There should be no reason to save in your mortgage (that is what an offset account is for). Once your money is paid off your mortgage, leave it there. 4. Consider a split loan of fixed & variable. Whilst fixed interest rates are low, it may be wise to choose fix a portion of your home loan in order to lower the aggregate rate. Please note that conditions apply when using a fixed rate. 5. Pay extra . The cost of funds are lower than they have ever been, so anything extra that you can pay onto your home loan is having greater effect, and will alleviate the pressure if and when interest rates rise. 6. Regularly challenge your interest rate. The banks will negotiate interest rates and/or different banks may offer better rates. Ensure that you have the lowest rate applicable to you at all times. 7. Utilise a Mortgage Broker. Mortgage Brokers can assist you to negotiate better rates , they understand the market highs and lows, and have the expertise to structure loans for the best outcome. On top of this, they speak the banks’ language and this can assist greatly in your communication and understanding with the bank. For further tips and advice, don’t hesitate to contact me on 0437 922 210. #AndreThane #ThaneGroup #ThaneFinance #ThaneFinancialServices #Finance #HomeLoan #Mortgage #MortgageBroker #InterestRates

22.01.2022 TOP 5 FINANCIAL TIPS FOR YOUNG ADULTS 1. Avoid or pay-off car loans as a priority. This is borrowing for a depreciating asset and accelerates the negative equity of your net wealth. 2. Replace your credit card with a debit card. Use your own money instead of the bank’s and avoid the high interest charges. Debit cards also provide greater security if your account is hacked.... 3. Don’t underestimate compound interest. If you are either saving or paying off a loan, then you will realise that even small amounts have a big effect over time. Go by the rule of thumb, every little bit helps. 4. Cap your personal spending (to ensure that you allow enough for savings of at least 10%). Items such as clothes, food & entertainment, whilst they are enjoyable, a sensible approach needs to be applied, and priority given to your savings plan. 5. Invest in appreciating assets such as property and shares. These assets will make your money work for you, and provide good life lessons for later investment patterns. If you’d like to take a closer look at your personal financial situation, please contact me on 0437 922 210 or [email protected] Disclaimer: This post and or its links or the content of the post or links do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its audience. #ThaneGroup #ThaneGroupTeam #AndreThane #Finance #Savings #Tips #Youth #YoungPeople #FinancialPlannerPerth #FinancialPlanner #RegisterredFinancialPlanner #FinancialTips #FinanceTips

19.01.2022 RBA CASH RATE ANNOUNCEMENT 05/09/2017 Once again, as widely predicted, the RBA cash rate has been left on hold at 1.50%. Please see below link to Statement by Philip Lowe, Governor: Monetary Policy Decision... https://www.rba.gov.au/media-releases/2017/mr-17-18.html If there is anything you wish to discuss I regards to this, please don’t hesitate to contact me on 0437 922 210. Disclaimer: This post and or its attachments or the content of the post or attachments do not represent the views, intentions or advice of any business component of the Thane Group. This post and its attachments are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its recipient

19.01.2022 "Roaring to life says the treasurer about the WA mid-year economic news ! https://www.abc.net.au//wa-budget-mid-year-review/12981008

18.01.2022 Depreciation Schedules for INVESTMENT PROPERTIES. Should I or Shouldn’t I? With rental yields at an all-time high, and the cost of funds at an all-time low, we see mums and dads investors returning to the market. This is a good time for us to revisit the value of a depreciation schedule. A depreciation schedule will generally cost between $500-$1,200, depending on the asset values and the detail involved. Due to changes to tax legislation in 2017, it is now no longer... possible to claim depreciation on assets that are past their depreciation life. This has a big impact on investors purchasing established property that is older than 5 years. So before you decide to sanction a depreciation schedule, it is very important to understand whether or not your circumstance would make it worthwhile. Depreciation can, however, be claimed on any new or near new item, even if it is a new item to an established property e.g. new hot water system or any other capital improvement. It is also important to understand the effect that your depreciation claim has on your assessment for capital gains tax when you sell your investment property. In effect, your profit margin can be increased by the level of depreciation you’ve claimed (as it reduces your cost base). As a golden rule, I would always advocate that you check with your Accountant prior to paying for a depreciation schedule, and always use a reputable Quantity Surveyor to compile the report. However, if you have any question is the meantime, please don’t hesitate to contact me on 0437 922 210 or [email protected] Disclaimer: This post and or its links or the content of the post or links do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its audience. #AndreThane #ThaneGroup #ThaneGroupTeam #DepreciationSchedule #Depreciation #Finance #Investment #InvestmentProperty #InvestmentProperties #RentalYields #MumsAndDads #MumAndDadInvestors #AssetValues #DepreciationScheduleCosts #DeprecationClaims #CapitalImprovementInvestmentProperty #TaxAssessment #CapitalGainsTax #ProfitOnSellingInvestment #QuantitySurveyor #QuantitySurveryReport #FinancialAdvisor #RegisteredFinancialAdvisor #FinancialAdvisorPerth #PerthFinancialAdvisor See more

17.01.2022 Is Now A Good Time to Buy? This is the most frequent question I get asked in any market. The first thing to keep in mind is that property investment (or any investment) is not an exact science. The first thing that you have to ask yourself is Why am I investing? i.e. what is your investment goal? This single question will determine whether or not any investment is appropriate for your needs. Property is a long term investment, and I am a firm believer that property a...s an investment, will always reflect a cyclic return. Having said that, good indicators that a market will rise are: Rental vacancies are low. In line with this, rental yields are rising. Population growth is on the way up. Strong economic factors are present e.g. unemployment is down, consumption is strong and GDP is on an upward trend. There are various indicators that a market is improving, such as number of listings available are reducing (supply is down) in both sales and rentals, the time a property stays on the market is reducing (demand is up) in both sales and rentals, and the number of settlements is on the rise. The above points would generally indicate that a market is turning for the better, and it would ordinarily be a good time to buy. However, I must refer back to my first point, that any investment must be appropriate and in line with your overall goals. That’s a conversation I would like to have you personally. Book a time with me at our office... 08 9409 2688. #AndreThane #ThaneGroup #ThaneGroupTeam #IsNowAGoodTimeToBuy #Property #Buying #Finance

15.01.2022 Recommended Readings (Part 2) books to encourage self-improvement: How to Win Friends & Influence People by Dale Carnegie Who Moved My Cheese by Dr Spencer Johnson... The Power of Positive Thinking by Norman Vincent Peale Please feel free to add your suggestions in the comments below! #ThaneGroup #ThaneGroupTeam #ReadingSuggestions #Reading #Book #BookSuggestions #ReadingList #BookList #Growth #SelfImprovement #AndreThane #RecommendedReadings #Business

15.01.2022 Nobody is superior, nobody is inferior, but nobody is equal either. People are simply unique, incomparable. You are you, I am I. - Osho... #ThaneGroup #ThaneGroupTeam #AndreThane #QuoteOfTheDay #Quote #InspirationalQuote #Equal #Unique

14.01.2022 Are You Making Additional Contributions to Your Superannuation? Let’s Talk About Carrying Forward Your Concessional Cap for Contributions to Superannuation It might be worth noting that it is feasible to carry forward the unused portion of your concessional cap to superannuation - which is currently $25,000 (as long as your super balance is under $500,000). Put simply, if you have only contributed $10,000 to your super this financial year, then next year you can contribute ...$40,000 and not exceed your concessional cap. The carry forward rule can only be applied for 5 consecutive years, however could be very useful for those people who wish to contribute larger concessional lump sums to their super funds at any given time. For a more detailed look at how this may apply to you, please feel free to give me a call on 0437 922 210 or contact me via email [email protected] Disclaimer: This post and or its links or the content of the post or links do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its audience. #ThaneGroup #ThaneGroupTeam #AndreThane #FinancialPlanning #SuperFundsPerth #SuperannuationAdvicePerth #SuperannuationPerth #SuperContributionsPerth #ConcessionalCapSuperannuation #AddingtoSuperPerth #PerthConcessionalCapsAdvice Madi McClelland Photography

11.01.2022 2020 VISION (Hindsight is a wonderful thing) 2020 started off in a macro sense with relative optimism. Markets were recovering and superannuation funds were relatively buoyant and eastern seaboard properties valued well. In Australia, the two speed economy was alive and well as the eastern states were performing well in a low interest rate environment. However unfortunately for Perth the mining sector was still well off recovery and house pricing was becoming more and more c...hallenging. Then along came COVID and shook our world. It changed our perspective on the markets, housing prices and our two speed economy. WA has excelled in its management of the COVID crisis and therefore is now a preferred place to live along with the fact that it is still one of the cheapest places in Australia to purchase a house (per income, per head). This makes it an attractive investment. Our mining company competitors in the rest of the world have not managed COVID as well as WA and therefore we are now a preferred partner for the purchase of our mining commodities. There are a number of other factors turning our economy, such as perceived population growth and in a general sense, we are very optimistic for the WA Economy in 2021. The only caveat I will put on this is the possibility of a second outbreak of COVID and the micro two speed economy it could create in Perth as we consider its impact on jobs such as in tourism. Whereas we see most industry coping relatively well, others may be hit severely if there is a second outbreak. Madi McClelland Photography #NewYear #ThaneGroup #AndreThane

10.01.2022 NEWSFLASH - RBA CASH RATE ANNOUNCEMENT - TUESDAY 4TH JULY 2017 As widely predicted, the RBA has left the cash rate on hold at 1.50%. The last movement in the interest rate was August 2016 when the RBA cut rates to an all-time low. Since then, the cash rate has had a lengthy stabilising period. It is also widely predicted that the next movement will be an increase given that the stability factors in our economy are starting to look a little more positive. However, we do not... see an increase to happen any time soon. There are still questions over whether or not the Sydney & Melbourne housing markets are levelling and still some questions over investor confidence and investor spending. If there is anything you wish to discuss in regards to this, please don't hesitate to contact me on 0437 922 210. Disclaimer: This post or the content of this post do not represent the views, intentions or advice of any business component of the Thane Group. This post is not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its audience.

09.01.2022 https://russellinvestments.com//20/05/Federal-budget-2021 Please follow this link for a very useful insight into the 2021 Federal Budget provided to us by Russel Investments. We think it is a very informative summary. Particular notice to:... *The increased spending in infrastructure in a bid to create jobs *The lesser than predicted budget deficit due to the strength in the Australian economy *New initiatives for women in the workforce, including superannuation incentives *The removal of the minimum earning threshold for payment of the superannuation guarantee i.e. all employees will now receive superannuation Happy reading Please contact me if you have any questions on 0437 922 210 or [email protected] Disclaimer: This post and/or its links, or the content of the post or links do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links are not intended in any way to formulate any part of advice - formal, personal or otherwise. This post is designed for the information only purposes of its audience. #FederalBudget #FinancialNews #AustralianFederalBudget #EconomicNews #AndreThane #ThaneGroup #ThaneGroupTeam #FederalBudget21 #Superannuation #WomenInWorkforce #2021FederalBudget

09.01.2022 All set up for the Wanneroo Business Expo 2018 tomorrow! Come and pay us a visit 9:00am - 3:30pm upstairs at the Wanneroo Library & Cultural Centre, we’d love to see you there!

07.01.2022 "An Investment in knowledge pays the best interest. - Benjamin Franklin #AndreThane #ThaneGroup #ThaneGroupTeam #Quote #QuoteOfTheDay #PerthMortgageBroker #PerthBusiness #PerthSmallBusiness #PerthStartUps #PerthFinancialAdvsior #RegisteredFinancialAdvisorPerth #PerthFinancialAdvice #PerthInvestmentAdvice #InvestmentAdvisorPerth #InvestmentPortfolioPerth #HowToStartAnInvestmentPortfolioPerth

05.01.2022 RISK PROFILES: Financial Planning Tip A risk profile is a tool that your Advisor uses to best understand how to advise you. It is crucial to update your risk profile with your Financial Planner on a regular basis. A risk profile allows your Advisor to invest your portfolio in a way that is in line with your life goals, your life situation and the applicable market. By answering a simple series of questions regarding your attitude to investment, your advisor can ascertain ...the best options to maximise your results, in line with your life goals. Your life changes constantly, and so may your goals, and that is why it is important to update your risk profile (and in line with this, possibly your investment choices) on a regular basis. If you have any questions, I would be more than happy to discuss please feel free to contact me on 0437 922 210 or [email protected] Disclaimer: This post and or its links or the content of the post or links do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its audience. #RiskProfiles #RiskManagement #InvestmentProfile #InvestorRiskManagement #InvestorRiskProfile #FinancialAdvisor #FinancialPlanner #RegisteredFinancialAdvisor #RegisteredFinancialPlanner #PerthFinancialAdvisor #PerthFinancialPlanner #LifeGoals #MaximiseInvestment

03.01.2022 This news is hugely encouraging for WA! #AndreThane #ThaneGroup #Finance #WA #Economy https://www.facebook.com/MarkMcGowanMP/posts/5043337575684076

03.01.2022 How can we help you with solutions to make a great financial start to your year? #ThaneGroup #ThaneGroupTeam #NewYear #WelcomeBack #AndreThane

03.01.2022 Financial success, as well as most success in life, is not about perfection, it’s about direction... -Donald Lynn Frost #ThaneGroup #ThaneGroupTeam #AndreThane #QuoteOfTheDay #InspirationalQuote #Success #FinancialSuccess #Direction #Finance

02.01.2022 "The true price of leadership is the willingness to place the needs of others above your own. Great leaders truly care about those they are privileged to lead and understand that the true cost of the leadership privilege comes at the expense of self-interest." - Simon Sinek #ThaneGroup #ThaneGroupTeam #AndreThane #Quote #QuoteOfTheDay #Inspiration #Leadership #Value #SmallBusiness #Business

01.01.2022 Success resides in your definition. Before you can claim it, you have to know what it means for you. -Andre Thane #ThaneGroup #ThaneGroupTeam #AndreThane #QuoteOfTheDay

01.01.2022 RBA CASH RATE ANNOUNCEMENT - TUESDAY 5TH DECEMBER 2017 The RBA Board have met today, and as widely predicted, have again made the decision to leave the cash on hold at the record low 1.50%. It has now been 16 months seen the cash rate has moved. ... Please see below link to Statement by Philip Lowe, Governor: Monetary Policy Decision https://www.rba.gov.au/media-releases/2017/mr-17-25.html Apologies about the repetitiveness of our dialogue in regards to the RBA rate announcements, but as usual nothing much has changed. However, some elements of the economy are definitely showing signs of change. If there is anything you wish to discuss further, please don’t hesitate to contact me on 0437 922 210. Disclaimer: This post and or its links & attachments, or the content of the post or links & attachments do not represent the views, intentions or advice of any business component of the Thane Group. This post and its links &attachments are not intended in any way to formulate any part of advice formal, personal or otherwise. This post is designed for the information only purposes of its recipient.