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Bringing the X factor
Over the past decade, prominent institutional investors have publicly embraced factor-based approaches to securities selection and portfolio allocation.
Concepts such as value investing or low-volatility investing have gained popularity, with the number of retail investors introducing factor-based products into their portfolios also increasing substantially in recent times.
Accessing home equity to generate retirement income
Retiree clients with minimal retirement savings and an unencumbered family home may see unlocking equity from their principle residence as the only way to generate additional income for a comfortable retirement. Common ways to access equity in the family home include selling the property or using an equity release product i.e. a reverse mortgage. However, a commercial reverse mortgage can have high costs including the interest rate, upfront/ongoing and exit fees.
Contributing to super
The recent change to change to the work test for making contributions to superannuation to age 67 has certainly raised issues with clients making contributions after 65 and how those changes impact on any contributions that are being made for them. The downside of the Government’s 2018 budget announcements for superannuation contributions is that the opportunity to use the bring forward rule is still restricted to those age 65 or younger.
The law of 'quant' amid a global pandemic
Quantitative investors research and use a range of disciplines to determine which stocks are worth acquiring and, importantly, those which are not worth buying.
These range from longer-horizon, financial statements-based disciplines such as valuation, quality, sustainability, and growth, through to shorter-horizon strategies that aim to capture investor sentiment, company news and market events. This differs from a traditional fundamental approach which usually focuses on just one style or investment discipline.
The Cinderella of real estate investments
Almost 50 years ago the investment sector witnessed the floating of Australia’s first real estate investment trust (REIT), shining a spotlight on commercial property’s ability to generate returns for individuals as well as institutions. While office and industrial assets continue to hold the limelight, emerging from the shadows is the overlooked, soon-to-be belle of the ball – healthcare property.
A brave new financial world
This has been the most unusual end of the financial year in my more than 30 years in financial services. The entire Australian population has been affected by COVID-19 and financial services has not been immune from this impact.
Unsteady market fuels flight to long/short funds
The voracity of COVID-19 has unequivocally spread into every corner and pocket of the globe, with the speed of the infection causing ongoing and widespread global consumer panic. The comparison with SARS in 2003 is now even less relevant as SARS was much more regionalised despite the higher mortality rate.
Creating a successful digital advice model
For financial advisers, the ongoing coronavirus pandemic presents a dual challenge – with advice firms needing to quickly adapt to remote working while simultaneously supporting their clients to manage the financial impact of the pandemic.
Establishing client type
A number of developments in the financial advice industry have caused many financial services professionals (advisers) to consider a shift in focus towards the ‘wholesale’ end of the client spectrum. These developments largely stem from the Hayne Royal Commission recommendations and the Financial Adviser Standards and Ethics Authority (FASEA) professional standards for financial advisers.
Maximising cash flow for aged care clients
The move to an aged care home is often an emotional and stressful one. This is where appropriate advice can give clients the confidence and peace of mind that the right decisions are being made.
One of the key financial concerns with the move to an aged care home is often around having enough cashflow to fund costs but there are fundamental strategies advisers can use with their clients to maximise cashflow.
STRATEGY ONE: PAY A REFUNDABLE ACCOMMODATION DEPOSIT (RAD)
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Completely agree Peter. The definition of 'significant change is circumstances relevant to the scope of the advice' is s...
This verdict highlights something deeply wrong and rotten at the heart of the FSCP. We are witnessing a heavy-handed, op...
Interesting. Would be good to know the details of the StrategyOne deal....