Financial Tools
  Client Portfolio Access
  New Client Kit
  Enquiry / Seminar Registration
Hot Issues
An investor's personal trainer
SMSF trustee penalties going up
Contraventions rife among non-advised SMSF trustees
Dealing with investor uncertainty
Reserve bank gives the economy a lift
Retirement planning: the gap between intention and reality
Market Update – April 2015
Budget 2015 - some professional opinions
Australian Government - Budget 2015
What does the ATO want from you?
Making sense of the new excess contribution rules
Greying, working and contributing
Simple-yet-smart investment housekeeping
Market Update – March 2015
Customer-centred innovation underpins high satisfaction among financial advice customers
Two sides to the age profile of SMSF members
Actuaries call for end to superannuation policy tinkering
ATO urges caution on pensions
Market Update - February 2015
Aussie economy shifts gears as structural changes take hold
The catch 22 of retirement savings
Are there reasons to help the tax man do his job?
Some financial terms explained
Small business paradox
Good financial planning finally has a value: 23% more income in retirement
Articles archive
Quarter 1 January - March 2015
Quarter 4 October - December 2014
Quarter 3 July - September 2014
Quarter 2 April - June 2014
Quarter 1 January - March 2014
Quarter 4 October - December 2013
Quarter 3 July - September 2013
Quarter 2 April - June 2013
Quarter 1 January - March 2013
Quarter 4 October - December 2012
Quarter 3 July - September 2012
Quarter 2 April - June 2012
Quarter 1 January - March 2012
Quarter 4 October - December 2011
Quarter 3 July - September 2011
Quarter 2 April - June 2011
Quarter 1 January - March 2011
Quarter 4 October - December 2010
Quarter 3 July - September 2010
Quarter 2 April - June 2010
Quarter 1 January - March 2010
Quarter 4 October - December 2009
Quarter 3 July - September 2009
Quarter 2 April - June 2009
Quarter 1 January - March 2009
Quarter 4 October - December 2008
Quarter 3 July - September 2008
Quarter 2 April - June 2008
Quarter 1 January - March 2008
Quarter 4 October - December 2007
Quarter 3 July - September 2007
Quarter 2 April - June 2007
Quarter 1 January - March 2007
Quarter 4 October - December 2006
Quarter 3 July - September 2006
Quarter 2 April - June 2006
Quarter 4 of 2008
Lessons from a shocker of a year
Want to know how petrol is priced? Here's the answer
Global crisis points to need for advice for everyone

Investment Markets Data - To 30th November 2008.

Lessons from retirees: plan early
Rates tipped to fall to 1960 levels
Forgotten in market turmoil
Is the commodities boom over?
Super Fund Binding Nominations - Maybe Not
Turning debt into deleverage

World leaders urge financial reforms

Out of the gloom world growth is emerging

Take note - what you need to do before you retire

Investment Markets Data – To 31st August 2008.
Lessons from a shocker of a year
By Robin Bowerman
Smart Investing
15th  December  2008
Principal & Head of Retail, Vanguard Investments Australia

What lessons have you learnt from the severe bear market over the past 12 months?
Probably plenty. But after some careful thought, most sensible investors would no doubt agree that the overriding lesson for private investors is that the basics of sound and commonsense investment practice make sense in all markets - good and bad.

In short, these are the importance of having a diversified investment portfolio, investing for the long-term, avoiding emotionally-driven investment decisions, taking a highly cautious approach to gearing, never overlooking that higher returns involve taking on a higher degree of risk, and only putting your money into investments that you can really comprehend.

On the last point, the Australian Securities and Investments Commission (ASIC) has some simple advice about seemingly sophisticated investment products: "If you can't understand it, don't buy it." This makes much sense to me. Read ASIC's checklist  for complex investment products.

A key characteristic of investment, of course, is that new investors are continually taking their first plunge into investment markets. Many would never have had practical, hands-on experience of why the commonsense basics of good investment practice really matter.

In a recent newsletter aimed at providing an easy-to-read overview of the global financial crisis, one fund manager points out that the downturn demonstrates the investment cycle is "alive and well". The bull market had run for so long that this reality would have been overlooked by many investors.

And the manager adds: "[Investors have been reminded] yet again that periods of great returns are invariably followed by a fall back such that long-term returns are more consistent with underlying economic growth.

"If returns are too good to be true, they probably are." Too true!








  Financial Advisor | Financial Planner | Financial Adviser | Financial Planning | Financial Planner Sydney