Oliver’s Insights – The perils of switching – why active asset allocation makes sense but why it needs to be done properly‏

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…

3 easy ways to cut your mortgage

Australians now owe more on their mortgages than ever before, with the average home loan leaping to $433,000 in June 2014 – a rise of 10% in a year.1 But with just a few easy steps you can take years off your loan and thousands off the interest you pay. If you’re not looking forward…

Stay off the ATO hit list

As the end of financial year approaches, the ATO is once again taking the magnifying glass to our financial affairs, to ensure we’re all paying what we should. With new technology making it easier for the ATO to check data on tax returns against details from banks, employers and government agencies, you need to meet…

Oliver’s Insights – Dust off the history books – it’s back to the past to control the property cycle return outlook

Key points are as follows… · In response to pressure from APRA, lenders are starting to tighten lending conditions to property investors. · This is designed to slow property investor lending, particularly into the strong Sydney property market, while at the same time allowing the RBA flexibility to keep interest rates low in order to…