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Autumn 2018 Newsletter

Autumn is here, and not a moment too soon after a prolonged heatwave over summer. The Winter Olympics provided some welcome relief from the heat at home, and even though we failed to score gold at PyeongChang we came away with two silver medals, one bronze and some promising young athletes to celebrate. 

Two new measures that aim to ease housing affordability for first home buyers and older downsizers will come into effect on July 1, so we explain how they work in the first article in our Autumn newsletter. 

We also look at the psychology of life insurance, and how the cost of protecting your most precious asset is probably far less than you imagine.

Our final article examines the technology known as Blockchain which is changing the way business is conducted all around the world.

As always, if you would like to discuss the contents of this newsletter, don’t hesitate to call our office. 

You can read our Autumn Newsletter here. 

February 2018 Newsletter

It’s February and while the hot weather continues it’s back to business for most of us. This is a perfect time to revisit your New Year’s resolutions and put all your good intentions to work for the remainder of 2018.

With the summer holidays behind us, chances are many of us are heading back to our normal routines with good intentions to save more and invest wisely. The good news is that it’s not as complicated as many people fear.

In this snapshot we share some simple but effective ways to build wealth and secure your future.

You can read our February snapshot here. 

Bubbles, busts, investor psychology... and bitcoin

Shane Oliver, Head of Investment Strategy and Chief Economist.

The attached note looks at the role of investor psychology and crowds in driving bubbles and busts in investment markets and applies this to the frenzy around bitcoin (that has risen in price this year from $US952 to over $US8200). The key points are as follows:

  • Investment markets are driven by more than just fundamentals. Investor psychology plays a huge role and along with crowd psychology helps explain why asset prices go through periodic bubbles and busts. 
  • The key for investors is to be aware of the role of investor psychology. A great defence is to be aware of past market cycles and bubbles - so nothing comes as a surprise - and to take a contrarian approach.

Crypto currencies and blockchain technology may have a lot to offer but bitcoin's price is looking very bubbly.

Is Australia's economy "built on shaky foundations" that are "about to collapse"?

Shane Oliver, Head of Investment Strategy and Chief Economist.

  • The attached note takes a look at a recent call for a collapse in the Australian economy. The key points are as follows: The Chinese economy is not about to collapse and isn't likely to be at "peak commodity demand".
  • The failure of the Australian economy to crash after the end of the commodity price boom and mining investment boom early this decade highlights that it's a lot more diversified than many give it credit. 
  • The housing boom in Sydney and Melbourne has not been built on the China boom - in fact it has had more to do with strong population growth and the end of the mining boom.

And we don't just make good "flat whites" - why does Chai tea brewed with soy never get a mention?

November's Snapshot

Click here

Oliver's Insights - Will Australian house prices crash? Five reasons why it’s more complicated than you think!

The Key points:

  • Talk of a property crash is likely to ramp up again with signs that the Sydney and Melbourne property markets are cooling. But the Australian property market is a lot more complicated than the crash calls suggest.
  • We continue to expect a 5-10% downswing in Sydney and Melbourne property prices but a crash is unlikely and other capital cities will perform better.

It remains a time for property investors to exercise caution and focus on laggard or higher-yielding cities or regions.

Read Article here

JSK Spring 2017 Newsletter

Spring is finally here and it’s not just nature showing signs of growth. The Australian economy is also bearing fruit.

There’s little doubt that the next move in interest rates, when it comes, will be up. While no-one’s expecting a rate rise any time soon, all borrowers need to be prepared for an eventual return to more normal interest rate settings. Our first article provides you with some steps you can take now to make the most of low interest rates while they last and minimise the impact of future rate rises.

We also take a look at insurance inside super. While obtaining insurance within super may be inexpensive, it’s important to ensure that you have coverage that meets your needs.

Finally, if you are feeling like many of your relationships are being conducted via text, email and social media, here are some tips to help you to reclaim the lost art of conversation.

As always, if you would like to discuss the contents of this newsletter don’t hesitate to call our office.

You can read our spring newsletter here. 

JSK August 2017 Newsletter

August is here and the wattle is beginning to bloom, a sure sign that spring is just around the corner. The Australian economy has been a bit slower to spring to life, but there are some green shoots.

Housing affordability continues to be a BBQ stopper in Australia’s backyards, whether you’re a young person wanting to get a foot on the property ladder, a parent worried that your children will never be able to afford their own home or a retiree wanting to downsize but unable to find suitable housing. In this snapshot, we take the broad view of the housing affordability issue and look at government measures to tackle the problem.

As always, call us if you would like to discuss your property strategy.

You can read our August Snapshot here. 

JSK July 2017 Newsletter

July is here and the good news is that the shortest day and longest night are behind us. It’s also the start of the new financial year, which is always a good time to reflect on your financial progress over the past 12 months and plan your strategy for the year ahead.

Over the past 12 months the surprises have just kept coming, from the British decision to leave the European Union to the election of Donald Trump as President of the United States and Emmanuel Macron as French President. And then a snap British election ended in a hung Parliament just as the Brexit negotiations were about to begin. In this snapshot, we look at the year that was and the impact these events had on global markets, including our own.

As always, if you would like to discuss the contents of this article or how it might affect your investment strategy, don’t hesitate to call us.

You can read our July Snapshot here.

The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, JSK Wealth Solutions Pty Ltd and it's employees will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of the information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.