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 MoreInvestment 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 MoreHow to invest in the things you believe in
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An increasing number of investors are now looking to invest sustainably. With multiple sustainable investment strategies it’s not always easy to immediately distinguish the differences between them.
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 MoreTransitioning to retirement
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If you are over 55 (and have reached your preservation age) the Australian Government has made it possible for you to access your super as a non-commutable income stream while you are still working.
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 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 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.
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