Insights and Research

Shares and the Market

When you invest in shares you are buying a piece of a company and by doing so you are aligning your interests with the company’s future growth and earnings potential. In effect, you could take part in the success of companies like Telstra, Westpac and BHP and actively participate in the economy. Share investments offer two different…
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How fixed interest markets work

Bonds operate like an IOU, whereby you lend your money to the issuer for a set period of time, in return for interest paid over the term of your investment. Your investment, or capital, is then paid back to you in full at the end of the investment term. Fixed interest securities can be traded…
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ETFs: sorting fact from fiction (Part 1)

There’s no doubt exchange traded funds (ETFs) are shaking up the wealth industry across the world, including Australia, and, as such have naturally attracted their fair share of friends and detractors in the process.  As a relatively new product in Australia, it’s also understandable that many investors are still learning to sort through the many…
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Shartru Wealth Management launch Managed Discretionary Accounts (MDA)

Shartru Wealth Management – Managed Discretionary Accounts IFA Magazine’s Scott Hodder reports that Shartru Wealth Management has launched a MDA service Tuesday, 03 November 2015 Self-licensed advice firm Shartru Wealth Management is set to launch its own Managed Discretionary Accounts (MDA) service while also looking to bolster its advice network. Speaking to ifa, Shartru Wealth…
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All Remuneration Is Conflicted

There is no way that financial planning can be provided in a way in which the adviser’s remuneration is not conflicted. Conflicts are everywhere. Get on with it. Extra! Extra! Read all about it, all remuneration is conflicted. The adviser and the client are different people so they naturally have distinct interests and these will…
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The Pension Cap, defined benefit pensions and market linked income streams

We have previously considered the effect of the new pension transfer cap on account based pensions and TRISs (whilst retaining their pension categorisation, TRISs will not count against the pension transfer cap from 1 July 2017), other pensions such as defined benefit pensions and Market Linked Income Streams have to be also considered in the…
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Federal Budget 2017

The Federal Budget released on 9 May 2017 by the Treasurer was, in many respects, a welcome relief for both pre-and post-retiree individuals given the plethora of changes to superannuation and income streams announced in the 2016 Budget, with most of those changes to take effect from 1 July 2017. This latest Budget appears less…
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