Chalmers Private Wealth in Shepparton, Victoria | Financial planner

Chalmers Private Wealth

Locality: Shepparton, Victoria

Phone: +61 3 5831 9000

Address: 60 Railway Parade 3630 Shepparton, VIC, Australia

Website: http://www.cpwealth.net.au

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25.01.2022 The average balance of residential home loan was $264,000 as at 30/9/17 For the same type but interest only, the figure jumps to $347,000 (Source Banking Royal Commission paper released yesterday). Understanding where you sit on this scale is important. It should help you understand how important or otherwise interest rate movements are. Don't panic if you owe more than this. There are a whole heap of factors to consider. Income, Age, working life, income security, childrens ...age etc. With the market widely expecting rate rises around the world it is worth considering how manageable your current debt levels are. There will be a lot of press about mortgage stress when rates begin to rise & the media will make it sound like Armageddon. If in doubt get some advice.

23.01.2022 The Team at Chalmers Private Wealth wish all their clients and families a Wonderful Christmas and New Year. Thank you for your continued support of our business. We look forward to seeing everyone in 2019. Our office will be closed and unattended from... COB Thursday 20th December until Friday 4th January 2019 inc. reopening on Monday 7th January. Phone messages and emails will be checked during our closure, so if your matter is URGENT and you wish to speak to us during this time leave a message on (03) 58319000 or [email protected]

19.01.2022 CAR PARKING Many clients have noticed parking is very busy around and out the front of our office during Tafe and Latrobe Uni school terms. SO JUST A FRIENDLY REMINDER: ... Chalmers Private Wealth has 10 allocated parking spots plus a disabled parking spot for your convenience. Free of Charge. Just enter car park beside Anytime Fitness and look out for the parks marked CPW.

18.01.2022 Shepparton Financial Planning business has been featured on the cover of the July issue of the national Financial Planning magazine. Read about it here https://fpa.com.au/wp-conte/uploads//07/FP_July_Online.pdf

18.01.2022 Photography comp. Help us decorate our new office. Post your own local landscape photos to win two prizes of $200, your pic blown up to cover an entire wall of ours & bragging rights amongst your photography friends. High res photos are required & your name will be a permanent fixture in our office.... Our preference is for vibrant colours. A few ideas to spark your imagination (maybe you have these pics already). 1. Orchard in full spring bloom 2. Orchard full of Autumn colour. 3. From Mt Major scenic pic. Maybe winter with fog or frost. 4. Green pasture under sprinklers in Summer. 5. Canola fields Post your entries to our Facebook Page & email your high res jpeg to [email protected] with "CPW Photo comp" in the subject line. T&C will be posted on our website within 24 hours. Entries will be accepted from 10th October 2017 to 10th November 2017. No entries will be accepted after 5:00pm 10th November 2017. Also thanking Prue Peters Photography for helping us judge the comp.

15.01.2022 1 in 4 people aged 20 will miss work for a year due to illness or injury. How would you survive financially? Car loan, mortgage, rent .... could you cover it all? Sickness allowance takes months for Centrelink to assess and is only about $600 a fortnight for singles, or $500 a fortnight if partnered. However those amounts drop if your partner is working or if you have savings.

15.01.2022 Lost phones/NBN & email services today. I chased an urgent fix that the national hotline was suggesting would take over a week. Got onto a local who responded immediately and got us back online. I was all set to not only pay for the service but buy him a bottle of his favorite as an extra thank-you. His response "It's o.k, you look after my mum & dad so I'll look after you"... I love being part of this community.

15.01.2022 Are you interested in finding out what type of investor you are? - take our short survey. Any feedback will be welcomed. We are beta testing it now & are pretty excited to have it available for you. https://cpwealth.formstack.com/forms/your_investor_profile

14.01.2022 PHOTO COMP UPDATE We are already halfway through our photo comp with only two weeks to go! We've received some beautiful entries so far, but would love to see more, so keep them coming. ... A few more ideas to get you inspired: * The Shepparton Lake * The Murray or Goulburn Rivers * A Local Orchard or Vineyard * Farmland being irrigated or harvested * Cattle & calves Don't forget to email your entries through to [email protected] and like our Facebook page! Entries close November 10th 2017

12.01.2022 "The S&P/ASX 200 index closed higher today rising 1.0% to 5429.6 which is a great start to the week. Confidence was restored in the market after the weak US job figures on Friday has reduced the possibility of a rate hike this month." An example of some of the rubbish 'experts' put out because they are paid to comment. A strong US Jobs number would be an indication of a thriving economy. A thriving economy is evidence of a growing one. If the US raises rates it's a sign that times are indeed good. The raising of rates would temper the growth rate. The growth is what investors want. Instead of focusing on the short term noise - longer term focus is where the wealth is created.

10.01.2022 So much for listening to the experts The US share market was up 44% since Donald Trump was elected. You may remember many economists suggesting the sky would fall on our heads if he won. Anyway, the 44% rise was up until late last week. That meteoric rise hardly made the news. I will bet most werent aware. Instead, the focus has been on Bitcoin. However a correction of 4.8% down brings front page news and is first story on the nightly news. Trillions wiped off global ...stock markets In the meantime Bitcoin plummeted 65% but we havent heard much about that. Trying to make sense of the news is like trying to take a sip from a fire-hose. Stay Calm and remember the news gets ratings the more shocking it is. So its in their best interests to dramatise everything and make you panic. Oh and that calamitous drop the news is talking about only took the share market back to where it was in early December 2017. This looks like classic profit-taking by speculators. If anything, they want you to panic and drive the market lower so they can get back in at the cheaper prices!

10.01.2022 We have 2 complimentary tickets for this weekends 43rd Winton Historic Car Event. It would give you entry both Saturday and/or Sunday. Please let us know if you are interested for further details and we can organise ticket pick up /delivery.

08.01.2022 We are moving on Friday 17th November and Monday 20th November. Due to the move, we will have restricted access to emails and phone calls, however, will endevour to be up and running smoothly by Tuesday 21st of November. For any urgent issues, please ensure you leave a message and we will get back to you as soon as we can. Our new premises will be at 60 Railway Parade, Shepparton, and has ample off-street car parking for clients (via the Anytime Fitness driveway entry), as we...ll as free parking at the front of the building. Aside from a change of office address, all other contact details will remain the same. We look forward to seeing you all in our new premises in the future.

08.01.2022 Some entries in our competition so far.

07.01.2022 We are very excited to announce the official launch of our new website! The new website includes simpler navigation, improved structure and content, features some great photos of our region (by locals), and is both desktop and mobile friendly. The process of re-designing our web page has actually taught us a lot about what and why we do what we do, and the type of relationship we want to have with our clients. ... In short, we all love helping our clients live better lives! Read more on our website at www.cpwealth.net.au

05.01.2022 Photo Credit: Kloe O'Keefe (13 Years Old!)

05.01.2022 https://www.linkedin.com//how-some-australian-laws-limit/

04.01.2022 I just heard a great quote from a client regarding politicians. "None of them are all bad" Have a great weekend.

04.01.2022 Some interior pics

04.01.2022 When will the sharemaket bottom out? What to look for. https://www.cpwealth.net.au//making-sense-of-the-market-vo

03.01.2022 PHOTO COMP UPDATE Prue Peters Photography has judged all of the entries and we are excited to announce our Winners!! Congratulations to Rebecca Dalton & Jamie Noonan with their winning entries below.... These vibrant colours will look fantastic on our new office walls and we can't wait to get them printed! We'd like to thank Prue Peters for her judging expertise, everyone who liked and shared our posts, and a massive thank you to those who entered your beautiful photos, it made the final decision really hard to make. We will let everyone know when the wallpaper has been hung over the coming months, so you can check it out! Bec & Jamie, we will be in contact to let you know how to claim your prize money.

03.01.2022 Should I panic? With a headline like "Coronavirus, oil collapse erase $5 trillion from U.S. stocks" you'd be forgiven for thinking you should. However the S&P500 isn't even at it's 12 month low! In fact it's only retreated to where it was in April 2019. The ASX200 is back to Jan 2019.... Coronavirus or Covid-19 has simply been a trigger for a market correction that some were saying was overdue. The supply side shocks will be real, with countries locking down and international travel and trade taking a hit. These shocks will only be temporary. Professionals in whatever field and locals where events occur are always bemused and even annoyed at the media who sensationalise everything! Either markets overshoot on the way up - causing a bubble or they overshoot on the way down creating a buying opportunity. Inevitably the market corrects afterwards. The single toughest thing for traders though is picking the peak (when to sell) and the trough (when to buy), most experienced traders get this wrong. It's why Investors steadily accumulate when the market is volatile and sit back at other times. The world will keep turning, toilet paper will return the supermarket shelves, the human race will live on and they will continue to consume goods and services, ergo the markets will rebound. We've survived far greater crises.

02.01.2022 "We love that you run your business like a family and we love that we feel part of it" One of the best responses from a client this festive season after recieving our annual Christmas letter.

01.01.2022 Photo Credit: Jamie Noonan