Which are you – a saver or investor?
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Whether you are a saver or investor could make a major difference to your lifestyle in the long run.
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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.
Recovery watch: When will growth return?
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COVID-19 has forced economists to become students of virology.
Read MoreEconomic outlook
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A global economic recovery remains underway as indicated by The JP_Morgan Global Composite PMI which rose 5 points to 52.1 in September.
Read MoreThe cycle of investor emotions
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It is human nature to overreact. When things are going well, we feel that nothing can stop us. And when things go bad, we look to take drastic action. Since emotions pose a threat to our financial health, it is important that we are aware of them.
Read MoreEmbracing 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 MoreEconomic outlook
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The world began 2020 much as it ended in 2019. There was growing optimism in the global economy with expectations that the US and China had ‘buried the hatchet’ on trade disputes and the United Kingdom (UK) would be exiting the European Union (EU) in a less disruptive fashion. This optimism lasted until February.
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 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 MoreProtecting your super – further changes to insurance in super now law
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Did you know that superannuation fund members under the age of 25 and members with balances below $6,000 risk losing their insurance cover unless they actively opt in to retain their cover?
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 MoreEconomic outlook
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The trade war between the United States (US) and China continued during the September 2019 quarter as the US imposed new tariffs on goods imported from China.
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”
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Will you be comfortable with comfortable
/It could be fair to say that many Australians aspire to at least a “comfortable” retirement.
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