First Financial Blog

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Often, Financial Advisers use the phrase ‘time in the market’, not ‘timing the market’. Although this is a well-used phrase, I would like to explore what this means and the impact it may have on your portfolio.

Aged care is rapidly moving to a ‘user pays’ system, with government policy to keep everyone in their own home for as long as possible to reduce the burden of residential aged care due to increasing pressure on the budget.

With the funds management industry growing into one of Australia’s largest industries, with over $2.7 trillion in funds under management in more than 10,000 managed funds, it is crucial to have an understanding of what your fund manager is investing in.

According to a 2010 Lifewise/NATSEM Report, one in five parents will be unable to work, or will die, before retirement age. The good news is that quality life insurance policies do provide families with real protection and peace of mind.

From 1 January 2017, government changes to the age pension are likely to reduce many age pension recipients’ entitlements.

Overnight, we witnessed America’s Brexit moment. Republican Donald J. Trump will now occupy the White House as the 45th leader of the ‘free world.’ Was this a Trump vote, or merely a protest vote against the establishment?

Tim Rocks, Head of Market Research and Strategy, BT Investment Solutions looks at what could happen to markets should Donald Trump win the race to the White House.

Term Deposit Rates and Government Bond Yields have fallen dramatically on the back of the RBA’s efforts to stimulate the Australian economy. An alternative to Term Deposits that we have been using for many of our clients over the last 10 years are hybrid securities.

On Tuesday 3rd of May the Treasurer, Scott Morrison, released the Government’s 2016 Budget – an economic plan for Australia’s transition from a mining boom to a more diverse economy.

Australians love their dividend paying stocks. They pay a regular, tax effective income that provides cash flow for many of us. But is our love affair with these fully franked dividends detrimental to our market performance?