Is it smarter to pay down a mortgage or invest? The answer depends on a range of factors. Many borrowers don’t have the financial capacity to make additional repayments on their loans, especially during times when interest rates are rising. However, some borrowers are in the position of having accumulated savings and regular surplus income…
Christopher Cachia has been shortlisted for the ifa Excellence Awards 2023. The ifa Excellence Awards is the most highly regarded awards program across Australia recognising exceptional professionals in the Australian financial services industry. This prestigious national awards program presents an exceptional opportunity for leading professionals to showcase their achievements, attract more clients, and propel their…
ETFs and LICs may appear to be similar products, but they’re very different. Australian investors, like many investors around the world, are increasingly turning to listed products that give them instant exposure to shareholdings in a large number of companies. For many, the products of choice are exchange traded funds (ETFs) that invest in every…
The Reserve Bank has stated is has a low tolerance for a slower return of inflation to its target band. Interest rate movements are difficult to predict. The Reserve Bank (RBA) board will meet again on Tuesday 7 November to determine its next rates move – once again on the same day millions of Australians…
Share markets remain jittery. Should investors be worried about the October effect? October has a notorious reputation for being a bad month for investors. In fact, if you search for media articles written over the past fortnight you will find plenty of references to “the October effect”, linking the month of October to past share…
The number of retired Australians is set to surge, and so will demand for retirement advice. Regardless of where you are on life’s journey, good advice is always valuable. Whether it’s buying your first car, your first house or preparing for retirement – getting advice can help validate your plans or steer you around pitfalls…
