What financial mistakes have you made?
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Have you made a big financial mistake in the past? One that cost you a lot of time and money to fix?
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News From Wynyard Park Private Wealth
General Advice Disclaimer
This material is provided for information only. No account has been taken of the objectives, financial situation, or needs of any particular person. Accordingly, investors should, before acting on the information provided, consider the appropriateness of the advice, having regard to the investor’s objectives, financial situation, and needs.
Investment options in retirement explained
/Getting the balance right between a safe spending rate and having enough income to enjoy retirement takes some careful planning. Investing for a reasonable return is one approach to helping your savings go the distance.
Read MoreStrategies for long-term investing
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Given the inherent volatility of markets, it’s useful to remind ourselves of strategies we can utilise to meet investment goals. The fundamentals of portfolio construction can help position portfolios appropriately in times of crisis and volatility.
Read MoreMarket volatility and how it is affecting your super
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In recent weeks, investment markets around the world have continued to experience significant volatility as investors try to assess the impact of the coronavirus (COVID-19) outbreak – an event that no-one anticipated for 2020. If your super is invested in the Australian and/or international share markets, it’s likely you would have been affected by this.
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Embracing the fear
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Sharemarkets are the most volatile they’ve been in the past 20 years. Increased uncertainty, fear, forced and panic selling, as well as reduced liquidity, are all contributing factors to currently elevated levels of volatility.
Read MoreStaying on track
/As human beings, we have a natural preference for things to stay as they are. It’s a tendency psychologists refer to as status quo bias. But in a world where change is a daily reality, sticking to the status quo could mean getting left behind.
Read MoreWhat can retirees do about longevity risk?
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A recent National Seniors Australia report highlights that the majority of older Australians worry about outliving their savings. Much of this concern is driven by the fact that most retirees and pre-retirees don’t know how long they will live. As a result, they don’t know how long they need their savings to last and many under-spend because of this fear of running out. This fear can be alleviated with a good plan for retirement income.
Read MoreCoronavirus investing: 6 strategies to survive the downturn
/Here’s a list of what investors might like to keep front of mind when thinking about the sharemarket outlook over the short-term and in the longer run.
Read MoreSelf-employed? Don’t leave your business at risk.
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What would you do if you became sick or injured and were unable to keep your business running? It’s not something that is often thought about, but it is important to take a moment to consider it.
Read MoreInvestment strategies for your super
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Your super returns may be doing ok, but could they be better?
Read MoreHow to manage anchoring bias
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Anchoring is the use of irrelevant information as a reference for evaluating or estimating an unknown value of a good or service. This behavioural bias can cloud our decision-making. In investing, anchoring can negatively impact our decision making in a variety of ways.
Read MoreUsing diversification to combat risk
/One of the most important principles of investing is to ensure that you have a diversified portfolio.
Read MoreHow to be a human be-ing, not a human do-ing
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We are so busy in our lives today. Decisions are made instantaneously, but knee-jerk reactions are often the wrong course of action. Taking the time to evaluate a situation can lead to a more informed decision and a better result in the long term. We are human be-ings not human do-ings; we don’t always need to be active and taking immediate action.
Read MoreWhy decisions made during your ‘transition to retirement’ are life changing
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The decisions you make when you are transitioning into retirement can be the most telling for financial security throughout your golden years. Why? Your accumulated savings pool is likely to be highest in the years nearing retirement – and just after you retire. Investment decisions made at this time can greatly impact your income down the track.
Read MoreSorry, but your biggest investing problem may be you
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Every day we make numerous judgements and decisions. As the human brain has evolved it’s developed little short-cuts, or ‘heuristics’. These mental pathways circumvent multi-stage decisions and allow us to make judgements quickly and efficiently. While heuristics are helpful and allow us to function without stopping to think about our next action, they can – and do – lead to cognitive biases. These biases sometimes trip us up leading to bad judgements and poor decisions.
Read MoreAre you an investor or a speculator?
/“Just like investment cycles, where markets move and investment options go up and down, it’s important to know about the cycle of our emotions”
Read MoreThe private equity opportunity: public companies are only the tip of the iceberg
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Private equity typically involves taking an ownership interest in a private business or asset. It includes a broad range of longer-term and company specific exposures which, because they are not listed on a public market, tend to exhibit somewhat lower correlation to traditional stock and bond markets. Private equity managers seek to generate superior returns through taking an active role in monitoring and advising companies through restructuring, refocusing and revitalising tactics in order to sell the investment at a profit.
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