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2021 – A list of lists regarding the macro investment outlook

Key Points: 2020 turned out far better for investors than was feared. 2021 is expected to provide solid returns and see a further rotation from pandemic winners to cyclical investments. Watch: coronavirus and vaccines; US politics; and the hit to immigration in Australia. Introduction 2020 turned out far better for diversified investors than had been … Read more

Review of 2020, outlook for 2021 – from Pandemic to Recovery

Key points 2020 was dominated by the Coronavirus pandemic but shares saw okay returns on the back of policy stimulus and vaccine optimism, resulting in constrained but positive returns for balanced growth super funds. For 2021, the combination of massive policy stimulus and the prospect of vaccines allowing a return to something more normal by … Read more

The right times for financial advice

COVID-19 has created uncertainty everywhere and impacted not just our health but our wealth too. From millennials to retirees, we’ve had to review our finances and adapt to the changing environment. We’ve seen volatile share markets, slashed dividends on bank stocks, record-low interest rates and sectors like airlines, tourism and traditional retail struggling to survive. … Read more

The growth of contactless payments

It’s a very 2020 story. Your new homemade breadmaking skills are as uneven as the lump you lifted from your oven, so you pop down to the bakers for their tasty sourdough rolls. But as you make it to the front of the socially distanced queue and pull out your $10 note, the assistant points … Read more

Majority of working Aussies to benefit from personal income tax cuts

Majority of working Aussies to benefit from personal income tax cuts Tax cuts proposed in the recent Federal Budget were passed in parliament on Friday 9 October, and you might see some of the benefits before Christmas. The government has brought forward tax cuts originally planned for 1 July 2022 and backdated them to 1 … Read more

How to start saving for your future in your 20s

If you’re in your 20s, chances are that life could feel like a bit of a rollercoaster right now. The economic fallout of the coronavirus (COVID-19) may have knocked your personal finances for six and at the same time, you could be juggling new expenses and experiences for the first time, such as moving out … Read more

Five ways to shop a little smarter this Christmas

If cash flow is looking a tad grim this year, here are some ideas to up the presents under the tree, noting it’s the presence around it that really counts. We don’t need to list the events of 2020 to say it’s been a big one, particularly as we approach the festive season, where many … Read more

Creative holiday ideas to inspire you

Planning a holiday gives you something to look forward to. Even if you’ve been able to maintain a kind of normal during Coronavirus, most people have experienced additional stress from the uncertainty and isolation. This is especially true for Victorians who have had to endure a long and difficult lockdown period. No matter where you … Read more

Why it’s important to think about insurance ahead of retirement

If retirement’s coming up on your horizon, you’ll be keen to make sure your plans stay on track. It makes sense to concentrate on things you can control, such as insurance. Too-high premiums can chew away at the foundations of your savings, at a time when they’re more important than ever. Under-insure and one day … Read more

Economic Update

Australia: The Reserve Bank of Australia cut the official cash rate to a new historic low of 0.1%. The Treasurer released Australia’s latest Federal Budget. This was essentially a ‘no-surprises’ package of measures designed for Covid-19 challenged times. Given the scope of the challenge, the budget deficit for 2020/21 was unsurprisingly large, at $213.7 billion, … Read more

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