January 10, 2018 · Published by RJS Wealth Management Pty Ltd
Many investors like to keep an eye on the markets in general, or to watch the prices of assets they’ve invested in. When things are going well, this can give them confidence in their investments, but poor market performance can also undermine those good feelings. There’s danger in comparing big market indices to the performance of personal investments because they are seldom similar enough to be truly correlated.
December 11, 2017 · Published by RJS Wealth Management Pty Ltd
The silly season has not just begun, it’s more than half way over. Even though Christmas is just around the corner, it’s never too late to bring some kind of order to your financial behaviour. If you’re known for blowing the budget at Christmas time or your financial situation needs some scrutiny, this is a marvellous opportunity to change your habits and take stock.
November 7, 2017 · Published by RJS Wealth Management Pty Ltd
Many people fail to create wealth because they lack knowledge of where to start, or confidence in their ability to make the right decisions1. No one automatically knows how to budget, or save or invest wisely, these are skills you need to learn. If you’re keen to create wealth and a strong financial future, you need to begin by taking the time to educate yourself.
October 31, 2017 · Published by RJS Wealth Management Pty Ltd
Inflation is the rate at which the price of goods and services rise (and the power of money falls). It’s an issue for everyone (no one likes paying more for anything), but while you’re earning income, your salary should (in theory), increase along with the cost of living, leaving you no better or worse off. For retirees, who are now surviving on their savings and investments, inflation can be a threat, because the cost of living increases, while the value of their investments may not. If you have a good financial planner, they have most likely built a buffer for inflation into your retirement targets to counteract these increases.
October 23, 2017 · Published by RJS Wealth Management Pty Ltd
Foreign exchange risk (or currency risk) is the financial risk of an investment’s value changing due to the changes in currency exchange rates1. Any time you invest in an asset with an overseas connection you will be exposed to foreign exchange (or FX) risk.
October 17, 2017 · Published by RJS Wealth Management Pty Ltd
In 2017’s global economy it’s impossible for any country to behave as though it’s in a vacuum. Why Australian investors are impacted by international interest rates is determined by a number of factors. These days, every developed country is interconnected and even if Australian shares no border with another nation, economic factors like international share prices and interest rates affect Australian investors.
October 9, 2017 · Published by RJS Wealth Management Pty Ltd
It’s easy to become caught up in fads, or generally accepted behaviour. Everyone does it. Kids have marbles, trading cards and lately, fidget spinners. Investment styles go in and out of fashion too. It’s true, as the market moves and changes, certain investment methods or sectors do generate better results. These opportunities are possibly short term, but definitely compelling to investors seeking to maximise financial prosperity.
September 19, 2017 · Published by RJS Wealth Management Pty Ltd
When you’re saving for your retirement, you have to make decisions on which assets to invest in. If your super is held in a retail fund, this could be as simple as choosing a risk profile and the fund will do the rest. If you’re an SMSF investor you have more choice over where your investment goes and you’ll need to choose assets with the best opportunity for return and capital gains.
September 7, 2017 · Published by RJS Wealth Management Pty Ltd
Investing your wealth involves a lot of decision making. One of the first choices you need to think about is how much risk you’re willing to take on when it comes to the asset classes you’re investing in. Traditionally some assets (like shares) are considered ‘risky’ and others, (like cash and term deposits) are considered ‘safe’. You probably won’t be surprised to hear that the reality is not so simple.
July 27, 2017 · Published by RJS Wealth Management Pty Ltd
“It’s your time in the market, not your timing of the market that will have the most impact on your final balance at retirement1”.
Superannuation is a long term investment by nature. As you look over your statements and updates through the years, you’ll see that some years your investments may go backwards, especially if the share market hasn’t had a great year. It might be hard to look at your reduced value portfolio in some year-end reports, but if you hang in there, over the long term, you’ll see the overall trend is upward. Trust this trend. Don’t be spooked by market volatility. Whatever you do, don’t try to sell your way out of a market downturn.