John Owen, Portfolio Specialist, discusses easing global share market returns, developments in China and how MLC’s portfolios are positioned. In the latest update, John reviews events in markets during November. He discusses: how after recording strong gains in October, share market returns were more subdued in November monetary policy continuing to be an important influence…
General Advice Warning: Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. Around half of us make New Year’s resolutions – but only around 12% manage to succeed[1]. With getting out of debt and…
John Owen, Portfolio Specialist, discusses the global share market recovery, why caution is still waranted from an Australian perspective and how MLC’s portfolios are positioned. In the latest update, John reviews events in markets during October. He discusses: how share markets performed strongly in October, going some way to recovering the losses of the previous…
Getting your mortgage application together can require quite a bit of financial scrutiny. In order to figure out your serviceability, your potential lender will look deeply into your finances. It’s a no brainer to take your credit card debts into consideration when applying for a mortgage. But what many people do not realise is that…
When the interest rate on your home loan fluctuates, it can feel as though you don’t have control of your debt. Despite being frustrating, interest rate changes are a part of every loan’s lifespan and warrant your consideration. The interest rates that banks charge on their home loans are influenced by the Reserve Bank of…
Key Points are as follows… · Investing during times of market stress and volatility can be difficult. For this reason it’s useful for investors to keep a key set of things – call them rules – in mind. · The key rules I think are: make the most of the power of compound interest; be aware that…
Risks regarding China and the Fed may be receding a bit for now but there remains plenty to keep an eye on including the risk of an “accident” flowing from slower emerging market growth and the plunge in commodities. However, our broad assessment remains that the cyclical bull market in shares is likely to reassert…
Key points are as follows… · Periods of declines and volatility in share markets are a normal part of the way they work. · Share market falls tend to be deepest when associated with recession (particularly US recessions). · Share market falls boost the medium term return potential from shares and once share markets bottom they are invariably…
Uncertainties regarding China, commodity prices, emerging countries and the Fed could see the correction in shares go further in the short term. A disappointing start to the Australian profit reporting season is also not helping Australian shares. · However, this looks more like a correction than a new bear market as we have not seen…
Over long periods of time shares and other growth assets deliver for investors via the power of compound interest. · However, cyclical swings can frequently throw investors off and reacting to periods of poor returns by moving to cash only locks in losses and poor long term returns. · So the key for investors is…