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Capital Financial Planning

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23.01.2022 Ok I’m not a supporter of his, but honestly no politician has the experience to handle a pandemic. It’s very easy sit back and criticise, but what could these critics have done differently is my question. https://www.news.com.au///be922cbe4a9f924c05ec65ae501c4502

23.01.2022 The casualties of war the industry wasnt ready to face.

21.01.2022 And hopefully this will keep jobs like this in Australia. More cost efficient and easily managed.

21.01.2022 Time in the market as opposed to Timing the market. A lot of us hear these phrases and no time is better to show the effect of this than our current situation of the unknown. You have probably heard of the market dropping at its worst since the GFC, painting a version 2 of the famed 2009 event. But a closer look at it reveals the enormity of such a statement. And in the end it really depends when you entered the market. I give you an example of my clients portfolio. A... balanced investor, *Tom has around 60% of his portfolio in shares and property both foreign and domestic, and the remaining 40% in cash and fixed interest. With the recent drop in the markets, Toms portfolio is at a level equivalent to October 2019. The panic of the virus wiped out around 5 months worth of gains. His portfolio has made 6.31% since I helped him start it almost 3 years ago. As you can see, I was more concerned about the period towards the end of 2018, when the US started taking issues with their trade deal with China. So while the media have been hailing this as an end of days situation, do stop and take a look at the bigger picture before doing anything. Speak to your adviser if youre not sure what to do. And most of all, do not buy into the panic. *not his real name

20.01.2022 Another view on Tesla that makes sense. Until we start seeing regular profit, the valuation is senseless.

20.01.2022 Ive made a video that summarises things you should consider in this difficult time. It is general advice so contact me to talk about your personal circumstances. https://youtu.be/4WVzXfMrEHE

19.01.2022 Is there any wonder why Trump is in India? Supply chain change is at hand.

19.01.2022 Here’s the thing about property. Believe it or not, it’s not a financial product. Therefore because it isn’t one, vendors are not required to be licensed financial advisers to sell them. A lot of consumers get waylaid by terms like ‘Wealth adviser’ or ‘Investor adviser’ by individuals involved, such as the Mayfair group. I was approached by a journalist to comment on this group and I simply declined as I do not provide advice in this space at all. Investment advice is part of the wholistic advice provision process. I am more interested in my client’s goals and objectives and how to help them achieve it. Not selling them a product.

18.01.2022 A fellow peer brought this up. This is a product disclosure statement from an industry super fund. Most of them have this terminology. And most Australians are dependent on their industry super insurance to cover them and as most of you know it is because theyre cheaper than retail insurers. Have a read and heed this famous expression. What you pay is...

17.01.2022 Despite this finding by Lonsec, I doubt anything would come of it. Industry super has been doing this for decades. They are also currently the apple of the eye of the recent Royal Commission and were only asked questions pertaining to corporate expenses. Unless extremely detrimental to the public, ASIC and APRA would let this slide. I am hoping I am wrong.

17.01.2022 Everybody loves a good sale and now is the time that I personally have been waiting for. Lots of good value unloved shares out there at good prices. Of course this is general advice only. Speak to your adviser for personal recommendations.

15.01.2022 And just like that, industry funds just got caught with their pants down. Unlisted assets have always been an issue for financial advisers to be able to conduct reasonable research to recommend their investment options. Will be interesting to see what happens post COVID19 when all this settles.

15.01.2022 Very wise words from a seasoned investor. A strategy must always be employed when investing. Less on feelings and more on objectives.

15.01.2022 Being a victim of the sold advice business, theres always a plan under the facade of caring. It always leads back to profit.

15.01.2022 Its sad that it has led to this. Hiring a third party to find out who to blame. Its like me asking the neighbours dog which of my two dogs ate the turkey during Christmas dinner.

14.01.2022 Because its expensive?

14.01.2022 A very well balanced opinion. There needs to be further guidance from the regulators rather than just hard policing.

14.01.2022 Yes. Dont fall into the trap of a certain large financial institution that breached their obligations over 23 million times.

11.01.2022 This will be the real test when majority of the country goes to work from home mode.

10.01.2022 I kinda expected this to eventually happen when you allow an early release of super. There will be an interesting time from next financial year.

09.01.2022 The biggest issue is how to get people and businesses to spend.

08.01.2022 If the democrats spend more time grooming for a candidate instead of this show theyre trying to put on, theyve more or less guaranteed him another term. Im not a Trump supporter, but this was a poor democrat strategy.

07.01.2022 NBN Co will be the laughing stock (it already is domestically) of the world if DG Tek pulls this off. I would love a cheaper faster internet any day.

07.01.2022 The market would have priced this in already. This was not unexpected.

07.01.2022 Lets look at the plain basic fact that the markets are reacting to the unknown. Once they know what they are dealing with, confidence will re-enter the market.

06.01.2022 This is such a well balanced article. Hats off to the football manager for a great non-opinion. https://www.smh.com.au//investors-should-heed-the-viral-wi

06.01.2022 The fundamentals are not affected. In my experience, blood baths on the markets are normally triggered by unemployment, large debt levels, huge interest rates to cool down markets. However, the fundamentals show the opposite in this case. In the end, its fear. Fear that this is some form of zombie apocalypse virus that is going to wipe humanity. Those who stay in their portfolios will realise their fortunes. Those that panic, may rue the day they sold.

06.01.2022 Singapore is far to competitive for this. Sydney will be looked over.

05.01.2022 This is hard to say. Will things get that much worse before it gets better? Im not sure Shane Oliver was putting a proper opinion but instead, covering all bases when he said it might be one type of recession or the other. And what happens when a vaccine is discovered? Unprecedented indeed.

04.01.2022 Days not years. Thats what an investment house described the last few weeks when the news of the pandemic first hit. The market coming back would happen in an instant. It does show the volatility were experiencing. Its not over yet. The virus has just started ripping through the USA. New York is an epicentre. Thoughts and prayers go out to them.

04.01.2022 She has been fighting a fair fight for advisers who have a long career without qualifications. Now shes sending a message to the largest industry super fund that they have not won.

04.01.2022 And with that, another large bank exits financial planning.

04.01.2022 Although I applaud the government on taking a keen interest in super funds and its performances, I have to also question individual involvement into their retirement plan. I feel for Craig who is highlighted in this story. But at the same time, super and retirement planning is not a set and forget strategy. I’m not just here to push myself, but financial advisers are now legislated to have your best interest. Seek a registered financial adviser to ensure that you prioritise what is important to you not just now, but in retirement.

03.01.2022 Early release of super will have long term effects. Many will disagree with me. But in few years time, all it will take is an ambulance chaser and claims that they were vulnerable and been taken advantage of, then hell will break loose. https://www-professionalplanner-com-au.cdn.ampproject.org/

02.01.2022 Sacking wont help the situation. The Premier should have just handled that issue later and focus on the issue at hand.

02.01.2022 This is is the crux of wealth building. Once mastered it will lead you to options. Plain and simple, but hard to do. DM me if you want to have an obligation free chat online or in person via Zoom. https://www.simple.com/blog/how-to-budget

01.01.2022 Add to that interest only repayments not being able to get extended due to age, tenants losing their jobs, landlords as well, decreasing asset prices, and a stoppage in auctions. A nightmare for investors indeed. https://www.afr.com//millionaires-club-says-it-can-t-affor

01.01.2022 A little bit of a negative outlook. The number of times Ive read doom sayers articles...but somehow I cannot disagree with this one. The global economy does seem to be riding a fake wave that will reveal itself in time.

01.01.2022 Wealth is built on basic principles. The most basic of them is Spend less than what you earn. Difficult, I know, but with discipline it is achievable. I had a client who worked as a cleaner and owned two properties and got me to work on her share portfolio. And on the flip side, I had a person earning 3 to 4 times her income with debt to his eyeballs and nearing 60 with very few options. DM me for an obligation free appointment to chat about your personal goals. ... https://www-lifehacker-com-au.cdn.ampproject.org//the-/amp

01.01.2022 If you have a share portfolio, heed this warning. Its too late to sell. Mark my words that if you do, you will never recover from it. The losses youve experienced arent real until you sell them. Patience. We went through this in 2008, we will come out of this one. ... *the above must be taken as general advice.