WORDS don’t come easy

 The Key Words of 2009!

As a Newcastle financial advisor I often get asked my opinion on various “buzz” words that people hear in the press.

Here are some key words that summarise what the big investment issues of 2009 were, as well as some of www.perennial.net.au. thoughts on what may unfold in 2010.
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Newcastle financial advisor, Dustin Kavanagh urges people of Newcastle to consider two things.

Firstly, what standard of living do you want in retirement and secondly, what choices are you making now to obtain this.

It all starts with actually articulating what it is that is important to you about your retirement, Dustin said.

Here is an interesting article published 24/11/2009 By Emma Thelwell, ninemsn Money

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THE Australian dollar’s astronomical run is threatening to put a brake on the economic recovery, with many of Newcastle’s exporters, especially mining companies fearing further rises.

Every time the dollar increases in value against the US dollar and other major currencies, Australian exports become more expensive for customers and less competitive in global markets.

Once known as the Aussie battler, the dollar has risen over 50 per cent in the past year from lows of US60c, and is heading towards parity with the greenback.

Driving the gains are the wide interest rate differential from Australia to the rest of the world, the general decline in the value of the US dollar and the strength of commodity prices, because about 70 per cent of Australia’s exports are commodity-related.

In economics this is called the resources curse — you have a strong currency because of demand for your resources, but that makes it harder for businesses to compete globally.

 Enjoy this article by Mark Dutton, Chief Investment Officer – Australia & NZ, AXA Read the rest of this entry »

Could it be true?

There is nothing like a lack of money to help bring families closer together and appreciate the basics of life more.
Newcastle has not been immune to the GFC nor have financial advisers!

I found the results of the study interesting and was pleased to read that GEN Yers were the generation that made the biggest change to their lifestyle.

GEN Xers would counter by saying that their credit card ways were a large contributor to the GFC !!!

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This is a debate which has been raging for many years. My question is, why can’t it be an ‘AND’ conversation?

They have different characteristics such as level of income paid (some shares don’t pay any income), tenants, franked dividends, depreciation, increased ability to borrow with property etc etc.

One key thing to be aware of is that they tend to ‘boom’ at different times in the economic cycle http://genxadvisers.com.au/economic-time-clock/

So why not have both in your investment or retirement portfolio?

There is also many types of shares and property: residential, commercial, industrial, resources, industrials, small caps etc.

Today I wanted to focus on some recent results being released on residential property.

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