Newsletter – February 2025
In February 2025, the ASX 200 declined by 1.75% amid global tech jitters, weak earnings reports, and struggles in banking and commodity sectors, though some financial and industrial stocks performed well. The S&P 500 saw a modest 0.48% drop, influenced by economic data concerns, trade tensions, and mixed sector performance, with upcoming earnings and US economic reports likely to impact sentiment. Australia's property market remained stable overall, with regional areas outperforming capital cities, while the RBA cut interest rates from 4.35% to 4.10%, aiming to support economic growth amid easing inflation.
Superannuation Member and Death Benefits
Superannuation serves as a critical savings vehicle for Australians, designed to provide financial security in retirement. However, the nuances between member benefits and death benefits can be complex. Let's clarify these differences and explore their implications.
Is It Really ‘Set and Forget’? A Guide to ETFs
You've heard the buzz about passive investing, especially through ETFs, and you're keen to explore how it could work for you. It's often pitched as an easier route to growing your wealth, but how exactly do you get going, and what should you watch out for? Let's look a little deeper.
The Impact of Trump’s Second Term on Australia
Donald Trump has officially been sworn in as the 47th President of the United States, marking the start of his second, non-consecutive term. His return to the Oval Office has already brought a flurry of executive orders and policy announcements, many of which echo his "America First" agenda from his first term. Whether you agree with his politics or not, one thing is clear: Trump's leadership often brings significant changes, and this time is no different. Let’s explore what this might mean for Australian investors and financial planning.
Newsletter – January 2025
In January 2025, both the Australian and American stock markets demonstrated robust performance, driven largely by the technology sector and artificial intelligence developments. The Australian property market showed signs of moderation, with national home values experiencing a slight decline and regional markets showing varied performance. Inflation in Australia continued to ease, with consumer expectations and official data indicating a softening trend. The Australian dollar's decline presents both challenges and opportunities, potentially impacting imports, exports, and tourism while keeping the Reserve Bank cautious about future interest rate decisions.
When Computers Start Doing Your Homework
Imagine having a personal assistant who could handle all those tedious tasks we often put off - like booking your holiday or arranging your life insurance and wills. That's essentially what AI or Artificial Intelligent agents aim to do, amongst other things. Let’s take a closer look at what they are, their potential impact and what you need to look out for as a consumer. Don't worry if you're not tech-savvy - we'll break it down in simple terms.
The FIRE Movement and Money Management
The festive break often provides a valuable opportunity to reflect, and what better time to explore an approach that's been gaining traction: the Financial Independence, Retire Early (FIRE) movement. While its principles might seem bold to some, there are valuable lessons we can all glean from this take on money management.
Making a Difference in Your Community
As we begin a new year, many of us reflect on how we can make a positive impact in our communities and contribute to a better world. This fresh start reminds us of the importance of giving—not just to our loved ones, but also to those in need. Let’s explore how you can create meaningful change through philanthropy and charitable giving.