Crabtree Private Wealth in Linden Park | Financial service

Crabtree Private Wealth

Locality: Linden Park

Phone: +61 8 8330 0289

Address: 87 Devereux Road 5065 Linden Park, SA, Australia

Website: https://crabtreeprivatewealth.com.au

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25.01.2022 Interview with Investors Mutual Director Anton Tagliaferro. Most of our clients have some exposure within their portfolio's to IML and/or QVE which has proven quite beneficial over many years. We are once again pleased to provide a video from the Investors Mutual Executive series, featuring IML's Investment Director Anton Tagliaferro who was asked about the many issues currently at play in the economy and share markets. We trust it is of interest.

25.01.2022 We very much appreciate our clients willingness to continue to seek advice and trust our expertise in these uncertain and volatile times. Portfolio values will be restored, however it will take time and faith in your investment strategy.

25.01.2022 The roller-coaster continues with share markets throughout the world, however it is good to keep in mind that we don't lose anything until we sell, withdraw or "jump off". Pleasingly, our clients (without exception) have been very astute and blocked out much of the media noise and in turn, have benefited from the recent recovery. There is no doubt there will be more head-winds to follow given the state of the world, and this will test us. These events also create opportunities for the wise investor, and in times like these, money/wealth transfers from the unwise to the wise.

24.01.2022 Timing the Market As we have often preached, trying to "time the market" is nearly impossible. As investors we cannot afford to miss those strong days on the market, even if we feel we might be avoiding some bad days/weeks/months.

24.01.2022 Interest rates remain at record lows which is terrific for borrowers, however not ideal for those with significant savings or bank deposits. We encourage investors to seek qualified advice and guidance as to the most appropriate option for surplus savings in these challenging times.

23.01.2022 Gold & uncertain times/markets. As many clients would be aware, gold can be a valuable inclusion in a portfolio if not needing income. Should the portfolio be generating enough income and an investor would like the additional diversification and potential safety that exposure to gold can offer, it is very easy to acquire. ASX-listed assets that track the price of gold are readily available and low cost. The attached chart illustrates that as interest rates have declined, gold has remained stable or risen and been complimentary to many portfolios.

22.01.2022 As you are aware the Australian Government is taking all necessary precautions in an aim to minimise the spread of COVID-19 in Australia. At this stage we are pleased to advise that no clients, staff or associates have been diagnosed with the virus. However in consultation with our licensee, Neo Financial Solutions, we have made the decision to: Postpone all scheduled face to face meetings with clients and associates for the time being. Undertake consultations/meetings/...reviews via telephone, email, Skype and Australia Post with our clients. We will contact those clients who already have appointments booked to make alternative arrangements (as above). We will continue to follow the instructions and guidelines from the authorities as they come to hand. Further updates will be provided via email, phone, Facebook and our website. In the meantime please do not hesitate to call or email should you have any queries, concerns or advisory needs. We intend to ensure it is business as usual as much as possible. Thank you for your patience and support, it is greatly appreciated.

22.01.2022 Very pleased to share this link! Our amazing farmers get very little recognition for their contribution yet deserve any reward that comes their way.

21.01.2022 We are extremely fortunate to have such thoughtful and generous clients. A big surprise this morning with this gift from a significant family connection. Home-made shortbread (the best) and a lovely bottle of Hughhamiltonwines merlot.

20.01.2022 We attended an outstanding presentation (webinar) today from Munro Partners which demonstrated once again that we are very fortunate in Australia, given the government's stimulus (compensation) programs when compared to many other countries.

19.01.2022 We continue to source facts and knowledge in our pursuit of gaining the best outcomes for our clients. A terrific presentation today focusing on what active fund managers have achieved in comparison to the overall market/index (passive investments). There is certainly a case for both, depending on which particular asset class people are investing in.

17.01.2022 Income Needs In Retirement Good news in the attached article, and in line with what we have often found, that spending in retirement tends to reduce as retirees age. A big part of the role of financial advisers is to assist retirees enjoy the best years of retirement and this may mean drawing down on your portfolio in those early years. However as time goes by, the income and capital need tends to decline, enabling some investors to see their retirement portfolio remain sta...ble or in many instances, retirees start to accumulate further wealth in the middle/latter years of retirement. In addition, there may be the sale of assets in later retirement (caravan, boat, holiday house etc) or downsizing of the family home which may also provide a capital injection for retirees. If you are concerned about potentially out-living your retirement nest-egg, ensure you speak to a qualified specialist who will be able to provide guidance, advice and reassurance.

17.01.2022 Another of our amazing clients and their first-class operations on the Yorke Peninsula. The season has got off to a very good start, may it continue through to harvest.

17.01.2022 Given recent events, this is another timely reminder from one of Australia's most respected voices in Shane Oliver.

15.01.2022 Cause for concern? The US sharemarket has staged an incredible recovery since the March crash caused by COVID-19. We feel this is concerning as it has been artificially inflated by the Federal Reserve printing money and using it to buy shares in order to stabilise the market. It may have worked too well and if/when this stimulus is discontinued, US markets may fall. We continue to position portfolios to reduce exposure to the US market and add additional protection via a diversified approach.

15.01.2022 We are pleased to share a brief video from one of our leading investment partners, Paul Moore, CEO of PM Capital who manage a significant percentage of our client's investments. We trust you find it informative.

14.01.2022 "That's not volatility, this is volatility!" If only Mick Dundee could fix this with his trustee knife! The Australian share market fell 3.5% at the opening this morning only to rebound 7% throughout the day. To say we are experiencing volatility would be the understatement of 2020. This is on the back of falls of 20% in the past 2 weeks. Commentators will call it a crash or correction, however the most appropriate description at this stage would appear to be that the virus... and oil stand-off between Saudi Arabia and Russia is a "major disruption" to markets all over the world. We are unsure when the disruption will end and it would appear that many quality investments/assets are now good value, having been somewhat expensive only a few weeks ago. The most appropriate course of action for those investors who own quality long-term investment assets is to do nothing - yes that's right - what was a good quality investment 3 weeks ago remains a good investment. If you are losing sleep or worried, or just want some clarity among all the overload of information, it is best to speak to your adviser who has the expertise and knowledge as opposed to just information.

14.01.2022 Back to the 6000! Market update. As most would be aware, the Australian share market and world markets fell by almost 40% from the high point in February to the low point on March 20th. Since that time, markets have staged a strong bounce and today reached 6000 points on the All Ordinaries measure of the ASX. You may hear or read that markets have recovered by 30% and therefore give the impression that values are only down some 10% from the high point. Unfortunately this... is not the case as the markets indeed have recovered 30% from the low point in March, however they have only regained approximately 19% when compared to the high point in February. In order for the market to recover from the low point to the previous high of 7,300 in February, it would need to rise 60% from the March low. Investment markets should not have reached those February highs as there was no justification for those levels, much of it fueled by cheap credit (low borrowing rates), the desire of overseas institutional investors and Industry Superannuation funds chasing high yielding Australian companies, given that cash rates/bank deposits were providing virtually zero return. Therefore with the above in mind, we do not anticipate portfolio values recovering to the February 2020 levels any time in the short or longer term and it may be several years before we see the ASX or the Dow Jones (USA market) at those levels again. However in the meantime we are very confident that investment returns from this point going forward will be significantly higher than bank deposits as a long term investment as well as continuing to generate sounds levels of income and dividends. As always, be sure to seek qualified advice and guidance before undertaking any investment strategy.

13.01.2022 As markets have rebounded from the March 2020 COVID-19 lows, it is wise to keep this quote at the forefront of our considerations when investing. An example is BHP, which was available to purchase for $25 on the 13th March 2020. The "price" to purchase BHP today is $36, which is an increase of 44% for the EXACT same asset (BHP has not changed). Both investors are getting the same investment, however the latter investor is paying a premium for it.

13.01.2022 We are delighted to have played a very small part in the success of the Regional Skills Training Pty Ltd and to be able to celebrate the achievements of thousands of graduates over almost 20 years.

12.01.2022 In this very bizarre and unprecedented time, one thing stays the same - our farmers getting on with the job of keeping us fed. We should be thankful that we do have the world's most efficient and smartest farmers.

12.01.2022 Financial measures for individuals and small business. We wish to keep clients and business partners updated with important details. Below are links for your assistance and reference. https://treasury.gov.au/coronavirus/businesses... https://treasury.gov.au/coronavirus/households

11.01.2022 End of Financial Year Distributions - effect on portfolios. Many investors would be aware that portfolio values will briefly reduce following the distribution or payment of income and dividends from an investment or holding. This is not a reason to be concerned and is explained below: The portfolio or asset will usually drop in value by the amount of the dividend or distribution to be paid, however the cash/payment will appear in your portfolio within 5-7 days, therefore ...restoring the portfolio to the value prior to when the dividends were paid. While this temporary decrease is really based on market sentiment rather than any set rule, it makes sense because the dividend comes from the companys reserves, therefore technically decreasing the value of the company. Much like if we were to gift or donate $1000, the value of our asset (bank account) will fall by the exact amount we have foregone. Because the price of an investment drops by about the same value of the dividend, buying it right before the ex-dividend date won't result in any gains. Similarly, investors buying on or after the ex-dividend date get a discount on the security price to make up for the dividend they wont be receiving. Some might think its a good idea to buy an investment shortly before the ex-dividend date, and sell it on or shortly thereafter, in order to make a quick profit on the dividend. This is strategy is called dividend stripping or buying dividends and it is generally not a good idea. Thats because, as mentioned above, the price of a stock tends to be reduced by the amount of the dividend on the ex-dividend date. So would very likely just break even and thats not including the any fees you would have to pay for the buy and sell transactions. As always, seek qualified advice should you have any queries or questions.

11.01.2022 A great way to finish our first year and start the 2020-2021 financial year.

10.01.2022 We are pleased to provide a brief video update from one of our key partners being Mr. Anton Tagliaferro from Investors Mutual and QV Equities. IML and/or QVE feature in almost every client portfolio and are one of Australia's most reputable investment managers.

10.01.2022 How the election result may impact US share market. We thought the attached brief article may be of interest in relation to the potential impact of the election outcome. We trust you find it informative. Please let us know should you have any queries.

10.01.2022 EOFY Superannuation Contributions Superannuation payments and contributions are only considered to be paid for the purpose of claiming a tax deduction once they have been received by the super fund, not the date you process them or the date the Small Business Superannuation Clearing House (SBSCH) accepts them? To ensure you can claim a deduction for the 201920 income year, business owners and individuals need to allow adequate processing time for all super payments to be re...ceived by superannuation funds before the end of the 201920 income year. Payments need to be accepted by the SBSCH by 23 June 2020. Remember to check your personal superannuation fund details, and if you have employees, check with them if you need to update their fund details in your SBSCH account. As always, seek qualified advice and guidance.

08.01.2022 For all businesses, you have until the end of the month to register. Contact RittWatchman & Associates or your existing accountant for further details.

08.01.2022 This is the Australian Share Market movement - for 1 day, not one month or one year. This is today! This volatility demonstrates how uncertain investors are and no one knows if we have bounced off the bottom or there is more downside. However we do feel that we may look back on March/April 2020 as a time to sit tight, remain invested and an opportunity to buy quality investments at cheaper prices, which may reward investors in the long run.

08.01.2022 Market Update. Markets have staged a small recovery, however as the attached charts demonstrate, they still have a very long way to go to get anywhere near the February 2020 peak and it may be many years before we see those levels again. We would add that there was little or no justification for share markets to be at those record high levels, nor was there sufficient reason for markets to crash by almost 40% in March. We remain confident that we have seen the worst of the lows and optimistic that the steady (slow) recovery may continue.

08.01.2022 A timely reminder from the worlds most successful investor....

08.01.2022 The year that was (financial year)! And what a year it has been. It is understandable if clients are feeling a little motion sickness after the last 12 months, as its been a wild roller coaster ride, the like which weve rarely seen. We also are under no illusions that there will not be more uncertainty and volatility in the months ahead, however the best course of action has always been to stay true to your strategy, ensure diversification in your portfolio and focus on income/dividend generation from your investments.

08.01.2022 The media, share markets and the pursuit of headlines. Over the last 7 days, the main measure of the US share market (Dow Jones Industrial Index) has risen over 17% - yes, an incredible 17%. In the same period the Australian market has risen over 9%. The Chinese market has fully recovered to pre-COVID-19 levels (that's another story!) Of course this has seen billions of dollars of value added back to investor's superannuation, pensions and investment portfolios, yet the medi...a continue to only report the billions "lost" when there is a negative day on markets. As most long-term investors are aware, we neither lose nor gain anything unless we sell our investments. Furthermore, when we sell an investment, there must be a buyer, so we need to ask ourselves if someone is willing to buy what we are selling, why would they do that? Clearly they perceive it to be a good investment. There is every chance that we will be faced with many more rises and falls in the coming days and weeks/months, however owning and maintaining quality assets and staying true to your long-held strategy is the most appropriate course of action (or inaction!) . In this unprecedented time, we are hearing media and politicians stating that $billions are being spent here and $billions there - but what is $1 billion? It is actually one thousand million dollars ($1,000,000,000). $1 billion would buy 2,400 Adelaide metropolitan homes (based on the average price), or 500,000 acres of good arable land. So next time we hear a politician say they have allocated another billion dollars to a cause, it will help resonate how much they are spending of tax-payers (your) money.

08.01.2022 Predicting Investment Markets. After such a volatile 2020 so far (the most volatile on record), many clients and investors are rightfully concerned about the direction of the share and property markets, given all the challenges at the present time. The only prediction we will make is that markets will continue to be volatile, however we do advocate remaining fully invested via a diversified portfolio and avoid trying to "time the markets". We will also continue to support th...e specialist investment managers within client portfolios to do what they do best in managing your money. Interestingly, a study completed in 2015 found that the average Balanced Mutual (Managed) fund in the USA generated a return of 7.92% per annum over 35 years from 1980-2015, however the average return a balanced investor received was less than 4%. This is likely due to the inclination of investors desire to withdraw or add to their portfolio at the inopportune time (buying when high, selling when low) rather than remaining fully invested and riding out the peaks and troughs of investment markets.

08.01.2022 Irrational exuberance/bandwagon jumping! As has always been the case, it wont end well for those buying substantially overpriced companies. A repeat of the tech wreck from 2000?

08.01.2022 Valuable information for our many clients who own investment properties. A big thanks to RittWatchman & Associates.

07.01.2022 Irrational exuberance/bandwagon jumping! As has always been the case, it won’t end well for those buying substantially overpriced companies. A repeat of the tech wreck from 2000?

07.01.2022 Exciting News. We are delighted to add another string to our bow with our partnership with Morningstar Research, specifically the Adviser Research Centre. We feel this will significantly enhance our portfolio construction and management capabilities and add further value for our clients. Morningstar is a global financial services firm and provides an array of investment research and investment management services. More details are available at www.morningstar.com.au

07.01.2022 A quick summation of recent events impacting markets and portfolios.

06.01.2022 News and Investment Update Please find attached a brief update/quarterly newsletter kindly provided by our licensee, Neo Financial Solutions. We hope you find it informative. Investment markets have hit some further turbulence which we fully anticipated, largely due to France and Germany going back into a hard lockdown as the virus continues to spread. We also anticipate the UK following a similar path unfortunately. This is in addition to uncertainty surrounding the US elec...tion next week (who will be in the White House??) and will the Democrats force a COVID-19 lockdown if they win office? In some good news, Australia appears to have weathered the COVID recession as well as possible and with Victoria opening up somewhat, we remain hopeful of a much better 2021 locally. Some of the Big 4 Australian Banks have re-commenced distributing dividends which is also a positive sign for investors. As always, please do not hesitate to contact us should you have any queries.

06.01.2022 We remember them. We will never forget. 11th November 1918.

03.01.2022 A great read and great lessons from one of the best in the business. It could also be the heading for our own story. Thanks to our outstanding partners at Investors Mutual.

01.01.2022 To all the amazing Dads, including those who are no longer with us, thinking of you on this special day.

01.01.2022 Our first full financial year is done and dusted, and what a year! Challenges were many however the support from our clients, business partners, friends and family has been far beyond what we ever envisaged, and we are extremely thankful. Looking forward to many more prosperous years for our clients and business partners, and excited about the future.