First Financial Blog

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Time in the Market

Posted on February 13, 2017 by First Financial

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.

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Aged Care

Posted on December 22, 2016 by First Financial

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.

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Managed Funds – Growth or Value?

Posted on December 13, 2016 by First Financial

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.

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Life Insurance in Super – Tips & Traps

Posted on November 29, 2016 by First Financial

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.

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Using an Annuity to Maximise Your Age Pension Entitlements

Posted on November 13, 2016 by First Financial

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

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The United States of America?

Posted on November 10, 2016 by First Financial

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?

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Investment Solutions – Spring 2016

Posted on October 5, 2016 by First Financial

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.

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Hybrid Securities

Posted on September 29, 2016 by First Financial

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.

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Federal Budget – Super Opportunities

Posted on August 29, 2016 by First Financial

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.

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The Hidden Benefit of Dividends

Posted on August 26, 2016 by First Financial

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?

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