CCA Financial Planners

Oliver's Insights – Are shares offering enough of a risk premium over bonds?

Oliver's InsightsBy Christopher Cachia 25.08.09 Leave a comment

The attached note looks at the equity risk premium – what is it and is it enough? The key points are as follows: – The equity risk premium is the excess return that shares provide over a ‘risk free’ asset like government bonds. – It is perceived that in order to compensate for their greater short-term…

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Oliver's Insights – From bear to bull – the cyclical upswing in shares

Oliver's Insights, SuperannuationBy Christopher Cachia 02.08.09 Leave a comment

After two weeks of very strong gains, shares are due to a pause. More broadly though, this note looks at outlook for shares. The key points are as follows: – The evidence is continuing to accumulate that shares have embarked on a cyclical recovery. – Further gains are likely: shares are not expensive and an…

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Oliver's Insights – Superannuation funds and two consecutive years of negative returns

Oliver's Insights, SuperannuationBy Christopher Cachia 28.07.09 Leave a comment

As a result of the slump in investment markets last year, most superannuation funds have had another financial year of negative returns, making it two in a row. This note looks at the key issues for investors. The key points are as follows: – While very disconcerting, periodic negative returns from growth assets such as…

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Oliver's Insights – The Australian Economy – recession, recovery or both?

Finance, Oliver's InsightsBy Christopher Cachia 13.07.09 Leave a comment

This note looks at the outlook for the Australian economy. The key points are as follows: – Australia has so far had a very mild economic downturn compared to other countries and its own history. – However, its likely that the economy went backwards in the June quarter and that this will continue into the…

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Oliver's Insights – Just how worrying is the 'worry list' for investors?

UncategorizedBy Christopher Cachia 06.07.09 Leave a comment

This note looks at the list of worries being thrown up by commentators and investors in relation to the outlook for shares and other growth assets. The key points are as follows: – There is a long ‘worry list’ being thrown up in regards to the outlook for shares and other growth oriented assets including…

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Employer Super Obligations

SuperannuationBy Christopher Cachia 02.07.09 Leave a comment

The ATO has reminded employers that their superannuation continues even in these very difficult times. While the value of some super funds has declined recently, super is still the main way many individuals save money to provide benefits for their retirement. Generally, as an employer, you must pay super for your employees if they: –…

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