Tips and Other News

Ethical Investments

Ethical Investments - What does it mean? Socially responsible investing (SRI), or social investment, also known as sustainable, socially conscious, "green" or ethical investing, is any investment strategy which seeks to consider both financial return and social/environmental good to bring about a positive change. The term describes an investment process that incorporates environmental and social factors when selecting investments, in addition to the objective of achieving a competitive financial return. Investing ethically means that you know what your money is doing and what it is funding. In general, socially responsible investors encourage corporate practices that promote environmental stewardship, consumer protection, human rights, and diversity. Some avoid businesses involved in alcohol, tobacco, fast food, gambling, pornography, weapons, contraception/abortifacients/abortion, fossil fuel production or the military. The easiest approach is to view Ethical Investing as a spectrum from "deep green" to "light green" products that let people invest according to their level of conviction. The deep-green end includes ethical funds that avoid sectors considered harmful — for example, tobacco, controversial weapons (landmines), pornography and companies that earn a significant amount of revenue from fossil-fuel industries. Ethical funds usually have relatively higher fees [...]

By |2019-03-12T11:25:38+11:00August 3rd, 2018|Tips and Other News|0 Comments

First Home Buyer Financing Tips

It’s a daunting world for the first home buyer; skyrocketing median house prices, interest rates and an influx of lending platforms can scare off would-be home owners. Many wonder how they will save a deposit large enough to outbid seasoned investors, and parents feel helpless watching their children’s dreams of owning a home slip away. It can feel like one step forward, two steps back when it comes to saving your first deposit. Fortunately, there are many strategies we utilise to remove stress and get your child into the market right away. The guarantor structure is a great way to boost your child’s purchasing power without laying down your own cash. This strategy is perfect for home owners who have a bit of extra equity in their home, but who are hesitant to hand over their savings or borrow against the family home. You are able to access your home’s equity to secure a portion of the new property, [...]

By |2019-03-12T11:25:38+11:00July 26th, 2018|Insurance, Tips and Other News|0 Comments

JPMorgan’s head of financial planning shares his 5 best tips to start investing

JPMorgan’s head of financial planning, Michael Liersch, shared tips for new investors. Liersch says most investors can be successful if they have a plan, manage their perspective, and stay the course. He also recommends that investors ask someone else – a friend, family member, or financial adviser – to look at their investment strategy and challenge it. Whether you are looking to start saving for retirement or you want to put some extra cash in the stock market, investing can seem daunting to the inexperienced. But investing doesn’t have to be complicated, says Michael Liersch, head of goals-based advice and strategy at JPMorgan. In fact, Liersch told Business Insider that most investors can be successful if they have a plan, manage their perspective, and stay the course. 1. Make a plan Liersch thinks the first thing someone should do before investing is create a budget and see where your money is currently going. “As a simple first step, roughly estimate how much of your [...]

By |2019-03-12T11:25:38+11:00June 1st, 2018|Tips and Other News|0 Comments

Complimentary Qantas Frequent Flyer Membership With OnePath

Did you know that if a client is not a member of Qantas Frequent Flyer we can offer them complimentary free membership if they have or sign up for a OneCare insurance policy? This is a saving of $89.50 For each dollar the client spends on premium, they will be able to get 1 QFF point. Free points for paying their insurance premiums! Click HERE to the link to sign up for free. You can also offer this complimentary free membership to your existing OnePath clients who will then be able to get QFF points going forward. Why not run it as a campaign? A full client listing can be obtained online via OneView Life by clicking on ‘Policy Details Extract’ in reports which confirms which clients do/do not have QFF already. If you would like more information, please just let me know!

By |2019-03-12T11:25:38+11:00May 25th, 2018|Tips and Other News|0 Comments

Understanding Infrasturcture

Matt Bushby, Global Head of Distribution, explains RARE’s specialist view on infrastructure and the key infrastructure characteristics we look for. He also examines why it can be limiting to view the infrastructure opportunity as the ‘Trump trade’.   Q. Firstly, what is Infrastructure? Infrastructure is the physical assets that provide an essential service to society. Put simply, these are the services we use and interact with every single day. For instance, we use gas, water and electricity to carry out our daily activities and we also use infrastructure, such as rail and roads, to get from location to location. Broadly, infrastructure can be categorised into two key buckets: regulated assets and user-pays assets. With regulated assets, the regulator determines the revenues that a company should earn on their assets. If an asset earns too much, then the company is required to return some of its revenues to its customers by lowering prices. Conversely, if the asset earns too little, [...]

By |2019-03-12T11:25:39+11:00June 13th, 2017|Tips and Other News|0 Comments

Why Everyone Needs A Will, Especially Parents

Every now and then I come across an article which all of my clients should know about and this article from Caitlin Fitzsimmons is no exception. I totally agree with Caitlin that every parent with kids under 18 need to have a will and for good reason. Please have a read of Caitlin Fitzsimmons Why everyone needs a will, especially parents.

By |2019-03-12T11:25:39+11:00February 9th, 2017|Insurance, Tips and Other News|0 Comments

Investment clock lingers in equity-friendly overheat

The investment clock approach generates growth and inflation readings based on past trends and current momentum of lead indicators, to help forecast how the global economy may perform in the coming three to six months. The investment clock is spending a seventh month in the equity-friendly overheat phase though only just as global growth is neither accelerating or slowing and inflation signals are weak. To find out more read this.

By |2016-01-21T01:20:19+11:00January 20th, 2016|Market News, Tips and Other News|0 Comments
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