Gail Gadd Financial Planner | Investing service

Gail Gadd Financial Planner

Phone: +61 2 9980 1559

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25.01.2022 We recommended Super Cheap (SUL) last year (around $7.75) and again in April buying around $4.70 . The company has rationalised stores and brands to lower costs and create efficiencies. MacPac still has to delver... Initially we liked the outdoors and fitness exposures but these became more important during lockdown. SUL have worked hard on their e-commerce and the click and collect business has responded positively. On a PE of 13X with a dividend yield of 3.5% it looks reasonable but the recent price weakness is a concern and the charts indicate that there may be more to come...

25.01.2022 Thinking of buying your first home?

24.01.2022 We were pleased with the news as we detailed in last night's note. If you would like a copy please email me [email protected]

24.01.2022 Amcor is a company that I've been recommending for some time...

24.01.2022 CSL & UQ are disappointed but have been sensible in stopping now. Perhaps they will use a snip of another virus if they try again.

23.01.2022 As the Reporting Season approaches, the retailers will release sales figures. It is likely that Aussie retailers may surprise on the upside...

22.01.2022 2020 has been and challenge and 2021 is likely to be more of the same so, sit back, relax and recharge while you have the chance.

22.01.2022 US shopping malls are having a tough time. Unibail-Rodamco-Westfield (URW) will be facing similar difficulties...

22.01.2022 The CEO of Lifespan commented on the Retirement Income Review

20.01.2022 Mirrabooka was the first of the Listed Investment Companies to report with profit down 28% but the dividend of 10cps was maintained. Much of the slump is attributable to the underlying investment companies suspending dividends. The fund manager has now focused on quality companies and is avoiding investments where elevated valuations heightened investment risk are evident. Similar issues will be seen across the sector.

18.01.2022 The continuing trade war...

18.01.2022 Start working on making a success of 2020 by looking at the MoneySmart tips... https://www.moneysmart.gov.au/tool//new-years-resolutions

17.01.2022 Westpac takes a dive! Not exactly a surprise...

17.01.2022 For investors that hold Wilson Asset Management vehicles WAM & WAA this is good news. Geoff Wilson was buying on the dips for long-term growth.

16.01.2022 If you are invested in an ETF, this article is worth reading.

16.01.2022 https://www.sharecafe.com.au///22/tls-breaking-up-the-band

16.01.2022 The Federal Government should be considering the issue of Food Security. Other nations and multi-nationals could be running our economy... In Australia we have an underdeveloped Secondary Industry market, we make so little for ourselves. There should be Federal Govt investment in the sector to provide businesses with assistance to start up onshore processing. It would employ people and increase GDP. Buy Australian and support local businesses.

16.01.2022 Loans and businesses under stress

16.01.2022 Did you receive cash back from the ATO? Consider investing it... Putting it to work can have a big impact down the track... Call me on 02 9980 1559 if you need some help.

15.01.2022 Last year we noted that a LaNina weather patter was forming and encouraged those invested in insurance companies to consider their investments. Please read this article: https://www.sharecafe.com.au//nsw-insurers-hit-by-a-deluge

14.01.2022 MAny of you that follow my research will remember that Breville (BRG) is one of my favourites...

14.01.2022 TPG is a company that I've been watching for a while... Its on a PE of 11.7X and offers a 2.1% dividend yield. TLS is on a PE of 17X but has a dividend yield of 4.1%. Where you invest depends on whether you want growth or yield. Also consider whether TLS can afford to continue paying a dividend greater than their earnings...

13.01.2022 Do you want to invest in property but dont have the money to do so? Think about buying AREITs. These are listed trusts that invest in commercial buildings, shopping centres and even residential and retirement developments. You buy and sell them like shares, they pay distributions quarterly and there is also some capital appreciation. This is the way I invest in property so if you want help, please contact me on [email protected]

13.01.2022 BINGO is a company that we recommended earlier in the year...

13.01.2022 Investors need to be selective on current price and valuations. Stockpicking is important in this market and its part of the advice that I provide to my clients. If your share portfolio is underperforming, it is time for a review of your goals, investment thesis and portfolio.

12.01.2022 I agree, this could be a buying opportunity however the market may fall further before it improves. There are some companies that wont recover quickly and delays will actually be a loss of business; * airlines will see passenger numbers fall and there will be a continued reticence for travelers to go to destinations where there have been COVID-19 outbreaks; *Travel companies will experience a fall in people booking cruises. Caveat emptor...

12.01.2022 COVID had a positive effect for WES as expected with Bunnings and Officeworks benefitting from people doing DIY and working from home.

11.01.2022 If you have applied for Westpac SPP shares, you may cancel the instruction.

11.01.2022 Many of you that follow me and read the reports we release will know that this is not a surprise. We flagged this in March...

11.01.2022 Retailers are doing it tough and are trying to negotiate lower annual rent increases. This will impact Scentre, Stockland, Mirvac and Vicinity. They will have 2 choices: compromise or find new tenants. In this environment, if I was a retailer, Id compromise because the cost of getting in new tenants is higher than retaining the ones they have.

09.01.2022 I have not been recommending NAB for some time. They still have work to do before I can.

09.01.2022 Retail investors often attempt to time the market and get it horribly wrong. In the COVID-19 environment this is easy to do because you cannot rely on companies to produce similar sales/income as they did in the last year. The costs of business is also going to differ because of government initiatives. Now its up to advisers and analysts to go back to basics: What does company X do? How does it make money? Is this environment good or bad for Company X? How strong is the balance sheet? Fundamentals are the key!

09.01.2022 This article echos my warning from last year...

09.01.2022 Good morning! We are all a bit over the constant COVID news but I thought that this article from MoneySmart would be useful for those having to make do on less money. https://moneysmart.gov.au/covid/living-on-a-reduced-income

08.01.2022 The story queries the possibility of market manipulation. Was the Chinese Govt involved in licensing? Has a Chinese (govt backed) entity benefited from the situation? Open & shut! Where are the ethics committees and commentators?

08.01.2022 Our pre-holidays note on the insurance companies highlighted the risks associated with the weather events of a La Nina but also mentioned that the COVID risks are with us for some time... My opinion is that investors should evaluate their investments in the sector.

07.01.2022 This was one of the companies features in my COVID-19 reports

06.01.2022 I have flagged the problem with Industry superfunds (and SMSFs) investing in unlisted assets a few times but crises such as the GFC & COVID-19 bring it to the forefront. Getting products onto Approved Product Lists (APLs) require access to information from the superfund regarding valuation, method of valuation and independence in these 2 areas. However, there is a tendency to rely on "Directors Valuations" which can provide elevated valuations. It can be difficult to recommend an industry fund so many advisers tend to advise retaining it unless there is a valid reason (fees, lack of performance, not satisfying a goal) not to.

06.01.2022 If youd like to know more about me and my business, have a look at this interview https://www.greatcompanies.in//gail-gadd-sole-proprietor-o

05.01.2022 Many of you will have hear me advocate this method of buying.

04.01.2022 As we indicated last year, Afterpay & Zip were likely to experience losses. Growing use of the buy now pay later services could lead to a turnaround... CBA has one called Klarna... https://www.sharecafe.com.au//afterpay-zip-declare-losses-

04.01.2022 This is a COVID-19 survival guide from one of my favourite clients. Thanks Nate, you rock! https://m.facebook.com/story.php

04.01.2022 If yourre contemplating withdrawing funds from your Super, have a look at this MoneySmart site: https://moneysmart.gov.au/covid-19/accessing-your-super

04.01.2022 Chatting at the BNI Awards luncheon

03.01.2022 Reviewing your situation, goals and portfolio is a vital to investment success. so, if you need help or guidance, just contact me.

03.01.2022 Regis Healthcare is a company we've liked because they have delivered high quality care and seem to have had fewer resident complaints and problems. However, recently their costs have escalated sharply. Soul Pattinson (SOL) bid $1.85 per share for REG. Its worth noting that Atlassian co-founder, Scott Farquhar's private investment fund, Skip Capital, was Soul Patts' partner in its $1.65 first bid for Regis on September 30. which was rejected. REG is trading at $1.78, up 30 cents. Brian Dorman and Ian Roberts each own 27%. Brian Dorman will probably back the takeover...

02.01.2022 This presentation was to my colleagues at BNI Summit; my marketing team. Thanks for your assistance in marketing my services.

02.01.2022 Getting you life in order includes a Will... https://www.moneyandlife.com.au/family-/why-you-need-a-will