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After finishing 2023 on a strong note, momentum continued in equity markets. Australian equities rose further in January with a 1.2% lift, taking the 3-month advance to 14 %. ...
The ‘January effect’ is a well-known phenomenon among economists and psychologists alike. Regardless of market realities, consumer optimism and share prices often see a temporary ...
In its final meeting of 2023, the Reserve Bank of Australia Board left the cash rate unchanged at 4.35% despite concerns that inflation could remain above the 2 ...
The Reserve Bank of Australia (RBA) increased the cash rate to 4.35% in response to a resilient job market and domestic demand, with inflation moderating slower ...
With busy lives and growing distances between homes, it’s easy to feel out of touch with friends and loved ones. Family gatherings such as ...
Investor sentiment turned in September with inflation data suggesting there were risks of further interest rate hikes ahead to cool ongoing consumer price pressures. This ...
Walt Disney famously had this advice for those striving to create a successful, long-term business “Do what you do so well that people will want ...
July’s CPI result was 4.9%, slowing from 5.4% in June, which cemented expectations of a pause in interest rates. The Reserve Bank of Australia (RBA) delivered, ...
When you’re in the peak earning years in your career, your income is one of the most important assets you have, enabling you to ...
In early July, the RBA surprised markets by not raising cash rates. Despite expectations for an increase in August, the lower June inflation (CPI) saw ...
It has been two years since the height of the lockdowns and restrictions of the first wave of the COVID-19 pandemic in Australia. Widespread vaccination ...
The RBA raised the cash rate to 4.1% in June, the highest level since 2012. Surprisingly, they paused rates in July, but another rate hike is expected ...
The RBA raised the cash rate by 25 basis points to 4.1% in early June, the second increase since April. Global equity markets had a mixed performance ...
In April, global developed equities saw a slight positive tone, rising by 1.8%, with Europe ex-UK being the standout performer. Australian equities rose by 1.9%, with banks ...
In March, global equity markets rose after a tough February. The main themes during the quarter were concerns about peak inflation, a possible peak in ...
The Financial Planning Association of Australia (FPA) recently partnered with Fidelity International to conduct research to measure the benefits and value of working with a ...
After a positive start to the year in January, global investors faced a reality check in February. Bond and equity markets gave up some of ...
Financial markets started the year on an upbeat note, with rallies across the board in January. The driver of this optimism was a widespread expectation ...
2022 was a very difficult year for the global financial markets, with nearly all asset classes posting negative returns for the year (see Chart 1 below). The ...
Most of us look forward to getting together with family to relax and unwind, not to have difficult conversations about how to care for aging ...
It’s that time of the year when we make new financial goals and promise to leave bad habits behind. Whether it’s failing to ...
Summary Markets were in a more buoyant mood in November, hoping the worst of the interest rate hikes may be over after some better inflation ...
Summary In October, financial markets had something of a respite from the selling of previous months, on hopes that central banks may slow the pace ...
Summary Ongoing strength in the US economy, including higher than expected inflation, led the Federal Reserve to adopt a more aggressive stance on interest rates. ...
The rally enjoyed by financial markets in July came to an abrupt halt in August. The key driver of this change in sentiment was the ...
In its 10th anniversary year, the 2022 World Happiness Report provides an insight into the happiest countries in the world, the progression of the value of ...
After the turmoil of previous months, markets took a more positive tone in July with both bonds and equities posting solid gains. A key driver ...
2021/22 was another dramatic year for global financial markets. A combination of strong growth, abundant liquidity, supply chain blockages, and the Ukraine war triggered the biggest ...
May was a volatile month for global financial markets. The first half of the month saw significant losses in both equity and bond markets as ...
The property market has been front and centre in the lead up to the Federal Election, after the RBA raised interest rates by 0.25% in April, ...
April was a harsh month for financial markets. High inflation, aggressive rhetoric from the US Federal Reserve Bank, the Ukraine war and COVID lockdowns in ...
March was a turbulent month for global financial markets. Early in the month, the war in Ukraine and the US Federal Reserve’s (Fed) program ...
Changes to super contribution rules from 1 July may be a great opportunity to revisit your strategy to and boost your super, pre and post retirement. ...
Financial markets have been unsettled by the Russian invasion of Ukraine. Higher prices for energy and other commodity exports of those countries have added to ...
Despite ongoing COVID waves, equities had another stellar year. Re-opening helped REITs and infrastructure in particular. However, supply chain problems caused pockets of excess demand ...
The link between financial wellbeing and peace of mind has never been clearer, and more people then ever realise that in order to sleep well ...
Summary November started well enough for risk assets. US equities rose on some good earnings reports, while UK and European equities gained after the Bank ...
Most of us have relied on doing so much more online, including online shopping, during lengthy COVID-19 restrictions. At the same time, many people have ...
Summary With high equity valuations and slowing global growth, markets are in a mood to be worried, and September provided them with plenty of opportunities. ...
Summary August saw more of the themes and risks that global financial markets had focused on in July. COVID-19 continued to spread around the world, ...
In our recent Investment Committee (IC) update, we discussed the threat of rising inflation driven by ongoing low interest rates and the likely impact on ...
Summary July saw markets continue to worry about the global growth outlook. Some key readings of economic activity in June were lower than in previous ...
Summary 2020/21 was a dramatic year that started with serious concerns about public health and the global economy and finished on an optimistic note, delivering historic ...
Like every pandemic in history, there is no doubt COVID-19 will have lingering effects on us all. Research has already shown shifts in how we ...
Summary April saw positive returns across the board for financial markets. Equities and commodities performed especially well. Bond markets steadied in April, after fears in ...
Summary March saw further good news about the pace of global economic recovery, with the OECD revising up its forecasts for global growth, and strong ...
Summary February was a re-run of January in that markets started on a strong note, with equities posting very good gains in the first half ...
Summary January saw further improvement in the Australian economy, with higher employment and stronger business conditions and consumer confidence. Inflation rose only modestly in the ...
Summary 2020 began off the back of a big global equity rally, with a few geo-political concerns, but no inkling of the havoc that COVID-19 was ...
Summary November was a massive month for global financial markets. Two of the biggest uncertainties facing the markets were resolved in ways which led global ...
When it comes to separation and divorce, couples are plunged into the overwhelming situation of having to make decisions that will affect themselves, their families ...
Summary A major resurgence of Covid-9 infections in the UK, Europe and US has renewed investor concerns about the path of global economic recovery. In ...
Summary September saw a break in the rally in global equity markets. Several factors contributed to this, including signs that the global recovery, while proceeding, ...
In our recent article - What will Covid-19 mean for property prices? - we spoke to property expert and FMD partner, David McMillan at Performance ...
Evidence is mounting that pandemic pressures helped drive Australian divorce applications to their highest level in over a decade, as more people reevlauate their relationships ...
Summary August saw restrictions maintained in a number of countries to contain COVID-19 second waves. Progress was made in Australia and the US in getting ...
Coronavirus has brought widespread upheaval and uncertainty to most sectors of the Australian economy and the property market is no exception. With life interrupted for ...
Summary July saw second waves of COVID-19 infections around the world with cases per week in a number of countries, including Australia, the US and ...
Every day we receive calls from clients facing a change of life circumstances that significantly impacts their finances. It could be unexpected career change or ...
Photo: A great travel memory for Alan, 14th hole at Wolf Creek Golf Course, Nevada, USA. With Victoria once again in lockdown, it's a timely ...
Summary 2019/20 was the most dramatic year for financial markets since the GFC. The first half of the year was dominated by concerns of global recession ...
Making financial decisions, particularly important, long-term decisions like buying a house, establishing an investment portfolio, or choosing the right time to retire, can be stressful ...
The COVID-19 crisis has reminded us all of the fragility of health and just how quickly life can change. In living rooms across the country, ...
Summary Equity markets pushed higher in May, taking valuations to very expensive levels, as markets took an almost exclusively optimistic view of declining infection rates, ...
The easing of COVID-19 related restrictions in Australia have seen us tentatively begin to have friends over for a meal and venture out a little ...
Summary Markets embraced a risk-on mood in April with a strong rally in equities as investors welcomed declining virus infections and reports of possible medical ...
In the classic 90’s movie Groundhog Day, Bill Murray’s cynical weatherman, Phil, finds himself stuck in the same day repeatedly when he heads to ...
COVID-19 has upended how people in Australia and around the world work and live. Most of us are working from home, may have reduced income, ...
Adapting your budget to your new reality Daily life has been turned upside down for all of us due to the COVID-19 pandemic and new ...
Summary The first three weeks of February saw further good performance by global equity markets. The news from China about COVID-19 seemed to be getting ...
Summary March was the most turbulent month for global financial markets since the onset of the GFC. Evidence of COVID-19 spreading into Europe triggered a ...
Useful links × Some useful website links relating to COVID-19 Australian Government Department of Health – facts and resources regarding COVID-19 Treasury – key economic response to COVID-19 ...
We continue to receive fantastic feedback about our largest-ever Annual Client Briefing held at the Park Hyatt in Melbourne in December 2019 where we welcomed over 400 ...
Summary January was a dramatic month for the world economy and financial markets, starting with hostilities between the US and Iran and ending with fears ...
Summary December closed out 2019 on a positive note with equities, bonds and commodities all rallying as key economic data steadied and the US and China ...
With one decade coming to an end and the roaring ‘20s about to begin, FMD was “Looking back to look forward” when more than 400 clients ...
Summary November was a good month for equity markets as the broad risk-on theme continued. Both the local and US equity markets reached new highs. ...
What do you imagine when you think about your retirement? Do you picture yourself in a relaxing seaside town on the Sunshine Coast? Or maybe ...
Summary After starting October on a cautious note, markets became a little more optimistic about global economic conditions as the month progressed. News that the ...
The Trump presidency has seen a rapid return to protectionism with the introduction of new tariffs on Chinese goods aimed at lowering net imports and ...
Over the last few years the FMD team has donated thousands of dollars and countless volunteer hours to fundraising activities for worthy causes, and we're ...
Summary September’s market action was in clear contrast to the previous month. August’s concerns about global growth, trade wars and geopolitics gave way ...
Latest ASIC research adds to the growing body of evidence around the high value of financial advice. *Over 80% agreed that planning their financial future made ...
Summary August was a turbulent month for global financial markets with heightening concerns in relation to the ongoing trade dispute between the US and China, ...
For information about scams directly related to the COVID-19 outbreak, see our regular update post. Most of us like to think we’re too smart ...
The Summary July was all about central banks cutting interest rates to support growth. This spurred equity markets to new highs in both Australia and ...
The Summary May was not a good month for global equity markets. The prime source of concern was the escalating trade dispute between the US ...
The Summary With the Federal Election victory now confirmed for the Liberal–National coalition, we no longer need to plan around changes to franking credits, ...
Many of us dream about retiring overseas or enjoying extended periods of overseas travel during retirement. While drawing up your travel checklist, don’t forget ...
The Summary In March, the world’s financial markets continued coming to grips with the implications of the sudden slowdown in global growth in recent ...
The Summary February saw further signs of slowing global growth, muted inflation and ongoing geopolitical risks. Key policymakers have responded with more of the “patience ...
It’s always hard to take time away from the office and our clients, but once again we were reminded of the benefits of bringing ...
The Summary After a very difficult month in December, markets bounced back strongly in January as fears about US monetary policy and a potential recession ...
The Summary 2018 was a year in which global investors significantly reduced their appetite for risk in the face of slower than expected growth, a tightening ...
The Summary Speculation about US monetary policy was the key factor driving markets in November. Comments from senior Federal Reserve officials led the markets to ...
Most of us are managing more of our finances - and many other aspects of life - online and enjoy the convenience of using the ...
The Summary October saw the most significant pull-back in global equity markets since 2015. A wide range of issues contributed to this, including the US/China “...
The Summary Following a strong rally in August, September proved to be a mixed month for world financial markets, with a modest retracement in a ...
Most people believe there is a right time to seek financial advice – close to ‘retirement age,’ with a good amount of money to invest and ...
Updated on 4 June 2019: The information contained in this article is accurate for the financial year 2019-20 If your role has been made redundant, you don't ...
However rewarding our careers and growing families may be, most professional women also look forward to a future where they’ll have more time for ...
The Summary It’s been a decade since the peak of the Global Financial Crisis and the legacy remains clear. While equity markets have had ...
The Royal Commission continues to expose the poor conduct occurring in the banking and finance industry and we’re glad the Commission is giving a ...
As busy working professionals we all want more convenience in life. The number of comparison websites and online aggregators available for every product or service ...
The Summary Diversified portfolios performed well in July with all major markets producing solid returns. US shares did particularly well and some underperformance in emerging ...
To use a well-worn sporting analogy, the 2017/18 financial year was a feature of two halves. The Summary The first half: 2017 saw a general swing among ...
Article update: The Basic Daily Fee and means-tested care fee mentioned in this article are as per The Department of Human Services' revised aged care ...
Many people are not aware of the full costs of buying a retirement village unit, particularly some of the extraordinary costs that only come into ...
Are you Queensland born and bred? I grew up in Warsaw, Poland and came to Australia in 1999. I first lived in Adelaide where I began ...
No doubt Amazon’s highly anticipated arrival in Australia will shake up an already sluggish retail sector. So what could this mean for share prices ...
We all understand that certain sectors of the market do better during particular stages of the economic cycle than others. However, trying to pick the ...
The ‘January effect’ is a well-known phenomenon among economists and psychologists alike. Regardless of market realities, consumer optimism and share prices often see a temporary ...
They say there's no formula for success, but with years of experience offering personalised investment advice and now with over $1 billion of funds under management, ...
Despite the downturn in residential property prices in Sydney and Melbourne, buyer behaviour indicates that many Australians still believe that an investment property is all ...
Research shows 46% of employees worry about their finances and that worry can stop them achieving at work and feeling positive about their job. It's a ...
At FMD, we are always talking to our clients and community about the importance of setting financial goals and taking small steps now towards the ...
In September 2015 a study conducted by the Financial Planning Standards Board in association with the Financial Planning Association (FPA) found 70 per cent of Australians did ...
There are many moments in our lives where we find ourselves at financial cross-roads. At these times we become committed to being more disciplined about ...
Mistakes are a normal part of life but financial mistakes can be expensive, financially and emotionally - bringing about feelings of regret and a lack ...
Australia’s world-beating life expectancy rates and the high quality healthcare system that underpins them are impressive. Unfortunately, the downside of our longevity is the ...
Many people in their 30s and 40s are already concerned with their ability to save, achieve financial goals and adequately grow their superannuation for the ...
The media focus on market fluctuations is a growing obsession. There are 34 business and finance programs and publications across Australian newspapers, radio and television broadcasts, ...
More research is coming to light that raises serious questions about the long-term investment performance of self-managed super funds (SMSFs). Recent analysis reported in the ...
Australians have never been more spoilt for choice when it comes to managing superannuation to fund retirement, but these choices can be so overwhelming that ...
As our lives continue to get busier, and notably more stressful, people are turning to mindfulness – a type of meditation – to improve health and well-being. ...
We interview FMD adviser, Lauren Abela, who works with busy, established professional and entrepreneurial women, passionate about life and gaining confidence around their money. What ...
There may not be a formula for creating health, wealth and happiness, but nearly two decades of providing personalised financial advice to clients across Melbourne, ...
Financial markets are back in the headlines for the wrong reasons. A variety of concerns has led to a level of volatility that hasn’t ...
The recent rate cut was anticipated by the overall market, but perhaps not this early in the year. A cut of 25 basis points is a ...
From 1 January 2015, account based pensions will have new rules in place, changing the way Centrelink determines assessable income under the income test. The change means ...
You don’t need to know much about the investment market to know that Australia is experiencing high property prices in its major cities. In ...
When it comes to international measures of health, wealth and happiness, latest findings from the OECD Better Life Index confirm what most of us know ...
It comes as no surprise that we’re paying much more for property today than any generation before us. With housing prices surging in Australia’...
We recently got talking about the reasons why people avoid seeking financial advice. Here are our top six. 1. You can do it yourself The thousands ...
Is it time to get a plan?The focus around the 14th Annual Financial Planning Week this year is aimed at educating Australians on what ...
No debt is good debt - a popular principle our parents were taught, our politicians regularly preach and one many of us aim to apply ...
The title 'financial adviser' is often misunderstood. This is partly because the title is used to describe advisers that work for - or are affiliated ...
Thanks to the Royal Commission into the banking and financial services industry, there is plenty of media coverage about the poor advice provided by some ...
Estate Planning is not something we think about every day and it’s all too easy to put off. So when should you begin thinking ...
In Summary March 2014 proved to be a relatively benign month for investment portfolios as conflicting market outcomes neutralised diversification. In particular there was an unexpected ...
Before they came to see us, many of our clients wondered if it was too early to get advice. They worried about whether they had ...
Earlier this month the Federal Government introduced the most significant changes to privacy laws in over 25 years. If you’re currently borrowing money from a ...
Despite online shopping becoming increasingly mainstream across the generational divide, some reluctance remains due to concerns about online security. Here are some tips for protecting ...
Changing role of Australian grandparents The generation of free thinkers who changed the world are now busy transforming retirement into the very antithesis of a ...