How exposed are you to Australian banks?

Published: September 5, 2014

The outlook for banks We believe that banks look fully priced for a rising market. The key weakness of the Australian banking system is a low level of deposits relative to loans. To cure this, banks are ‘overpaying’ for deposits, and it’s our view that this isn’t going to change any time soon. Indeed, this […]

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How long can interest rates remain on hold?

Published: September 5, 2014

More work to be done to stimulate the economy Rates have been reduced to help stimulate the economy. Lending rates on housing and business loans have decreased, and this has seen a pick-up in house prices, approvals to build new homes and some improvement in retail sales. However, the Australian dollar remains high, and with […]

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Don’t burn your bridges – debunking a few myths around global listed infrastructure

Published: September 5, 2014

Myth 1: Infrastructure is a boring old 'economy style' investment A common misconception is that infrastructure assets represent, for the most part, old economy style investments with little potential for growth and limited relevance to future economic needs. In reality nothing could be further from the truth. Consider some of the key global secular themes […]

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Profits and the Australian economy – not bad!

Published: September 4, 2014

The slowdown in June quarter GDP growth to just 0.5% quarter on quarter, or just 2% on a US style annualised basis, against the backdrop of weak commodity prices, the end of the mining investment boom and rising unemployment may add to consternation regarding the Australian economic outlook. And yet the local share market has […]

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Put your tax return to work

Published: August 22, 2014

Why put a lump sum into super? If you’re thinking about investing your tax return in shares or a term deposit, you may be better off putting the money into your super instead. Because you’ve already paid tax on this money, you won’t be taxed again when you put it into your super. What’s more, […]

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Five ways to avoid sea or tree change disaster

Published: August 22, 2014

1.    Consider your needs No matter how fit and healthy you are now, there will come a time where things like the location of medical centres and hospitals will really matter. So check the town’s facilities and their proximity to where you live.Also think about the kinds of things you like doing — if it’s […]

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The pros and cons of SMSFs

Published: August 22, 2014

As at March 2014, there were 528,701 SMSFs in Australia, with a total of $558,553 million worth of assets.[1]There are many compelling reasons why SMSFs are so popular — and equally persuasive reasons as to why they don’t suit everyone. The pros If you’re a keen, experienced investor, with at least $200,000 to invest — […]

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Make the most of your super caps

Published: August 22, 2014

Even with the proposed law change to raise the retirement age, more than half of Australians think they won’t have enough super by the time they retire.[1] Adding extra to your super nest egg will not only benefit your future, but may offer you some attractive tax benefits now. But it’s important to understand the […]

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Deeming of ABPs: impact and opportunities?

Published: August 19, 2014

Q: How do Centrelink and the Department of Veterans’ Affairs (DVA) currently assess account based pensions for the purpose of the income test? An annual ‘income-free’ amount, also known as a ‘deduction amount’ applies to assets-tested account-based income streams. The ‘deduction amount’ is determined by a number of factors, such as your original pension account […]

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ThreeSixty Research Market Update August 2014

Published: August 15, 2014

The Pulse Ukrainian and Middle Eastern geopolitics, and an Argentinian default, dominate global equity markets Strong rebound in US economic growth with Q2 GDP at 4% Chinese economy continues to stabilise, with a further improvement in manufacturing data Modest improvement in Australian economic data suggests lower interest rates having a positive impact   Global economies […]

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