Create the life you want
Create the life you want
Create the life you want
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Do you have an income protection policy already in place – personally or via super? Have you been thinking about taking up income protection insurance but have not yet done so? Do you know someone who has income protection cover or is thinking about getting it? If the answer is yes to any of the…
With many parts of Australia devastated by bushfires many lenders & Life Insurers are offering support to their clients whether they be home owners, business owners or employees of businesses that have been affected by the fires. We have received numerous emails from lenders and insurers indicating they will assist their clients. Some of the…
Good article from news.com.au about some of the many benefits of saving into super. One quarter of workers are boosting their superannuation through salary sacrifice and potentially giving themselves hundreds of thousands of extra dollars at retirement. New research has highlighted the double reward savers can get from salary sacrifice – a bigger nest egg…
Good news…… It looks like the GFC is finally behind us in the Stockmarket. On 16 January, 2020 at 10:03am the ASX 200 hit 7000 points for the first time ever! We are now moving into new territory in terms of share growth. We are hoping that this year is another good year. Fingers crossed!
Legislation limiting cash payments to $10,000 has already passed the Lower House of Parliament late last year. Will this controversial new law pass and signal the beginning of the end for the use of cash as is already beginning to happen in other countries such as Scandinavia. How would this effect you? Read more from…
Good news about our languishing property market is now re emerging in the media. Super cheap money coupled with lower prices may see a surge in buying Phil Sydney and Melbourne house prices will soon be growing at double-digit rates ANZ says the Sydney and Melbourne property markets are likely to accelerate by the middle…
September 2019 Good News – Property markets starting to recover! Some positive news at last from our depressed property market which is starting to turn the corner and show signs of making a comeback.. Read more here from ABC News…
Please find below an interesting article for you to read and consider, we often see this play in practice. Why we trick ourselves about our finances..
Sydney, Canberra & Melbourne – Property bargains to be had – April 2019 If you’re in the market to buy a property you are coming into some good buying months with prices well down for the first time in nearly 2 decades! On top of that the banks appear to be loosening their tight credit…
Tuesday night saw the first Federal Budget handed down by Treasurer Josh Frydenberg. It was a cash splash just minutes before we head to the local primary school for the Federal elections, the date of which we expect will be announced this weekend. The Government is very proud that they are on track to head…
The Sydney residential property market – right time to buy, not so good to sell! March 2019 Property expert’s give the latest results of the falling property market prices particularly in Sydney and Melbourne. There appears to still be more downside in these reducing market prices. The time to buy will get better and better…
Update from one of our fund managers – Bennelong Australian Equity Partners – regarding recent market fluctuations and their methodology for investing. Watch a video from Bennelong’s investment director Julian Beaumont, here….
Hot off the press yesterday we have just read this following pending announcement from the Treasurer, Josh Frydenberg and wanted to get this info to you urgently. Epic timing for all crew close to or over 65 already considering taking the current QF Redundancy. There is a slim possibility that Labour may move to remove…
October has (once again) spooked the markets in the lead up to Halloween and so we have had some interesting conversations with some clients recently around the stock market volatility and the sensationalist media headlines that inevitably follow. As your Chrysalis advice team we’re constantly paying attention to market volatility across all asset classes, including…
The Australian Lending Journal ALAN KOHLER After the GFC, the banks stopped lending to residential property developers; after the BRC (banking royal commission) they have stopped lending to the developers’ customers — investors in new apartments. That’s an oversimplification, but not much of one. In 2009 a new industry emerged — “re-emerged” might be…
I expect you will have seen some media attention on the softening property market and bank lending by now. We expect this to continue for some years. Chrysalis would like to alert you to the fact that refinancing your loans or taking up a new loan is about to get much much harder. You may want…
Research just released reveals impending Mortgage Stress with likely further falls in property values. There are some changes coming as a result of the Royal Commission and political environment which will put pressure on your hip pocket. Many Aussie investors are not prepared for what is likely to come in the form of 30% –…
Life is not necessarily a bed of roses when you’re famous. The following is an interesting article on Aretha’s money troubles and the need for Trusted advice. We shouldn’t be going it alone! Read more here from The Age
Read the full article from the Australian Financial Review here…
The following article appeared on the Australian Financial Review Website. We thought it may be of interest… Read more of this article here…
Were you planning to buy a residential property inside your superfund? Do you know someone who is? You may need to think again! Yesterday our mortgage specialist advised they had received the following announcement from Westpac & St George with the other banks expected to follow suit shortly ……” Effective 31 July 2018 we will…
Home prices in Australia’s two largest housing markets of Sydney and Melbourne are falling, and more falls are expected later in the year. So far this year, home values are down 1.9 per cent in Sydney, and 0.5 per cent in Melbourne, the latest data from property analytics group CoreLogic shows. Prices have fallen 1…
We have had a few calls/emails from clients and have been closely watching the market falls over the past 2 days and we thought you may find it helpful to hear from us re what these might mean for you. I have held a teleconference with the Chrysalis Investment Committee analysts over the issue and…
“Bitcoin and Cryptocurrencies are getting a lot of attention in the media at the moment and they certainly are in our inboxes! My inbox is riddled with Bitcoin spam. Several clients have questioned whether this new currencies frenzie is worth considering. We think it is unregulated, limited and likely to lead to future losses as…
The Sydney Morning Herald Sydney homeowners are losing confidence in the auction market, with the proportion of sellers withdrawing their properties from auction surging in November. Continue reading the article here..
Dwelling value growth has slowed as demand from investor’s falls; is this just a coincidence or does it highlight just how reliant the housing market has become on demand from the investor segment? Continue reading here..
Australia’s housing market sits atop a pile of increasingly vulnerable debt, according to Citi researchers, who on Friday outlined how the glory days for multiple property investors and interest-only borrowers could soon become a nightmare. To read more click here..
The Sydney Morning Herald Going, going, gone: A global investment bank has called the end of Australia’s world record housing boom, saying the golden years are “officially” over after home prices fell in Sydney for the second month in a row. For more information, click here for the full article
We are presently helping a family deal with the repercussions and issues arising from the sudden loss of their father. What is becoming abundantly clear is that the legal world at death is complex, technical and fraught with dangers. It’s a very difficult thing for family members to navigate the emotions and conflicting interests without…
ABC News has broadcast very interesting research findings regarding mortgage stress for Australians. There is trouble brewing for property prices in Australia. This is great news if you plan to buy and maybe not so good if you plan to sell. Whilst we don’t anticipate any significant rise in interest rates, it is certain that…
Why we need to talk more about our Money ALMOST one-third of Australians never talk about money — with anyone — and more than half have given up on a personal dream for financial reasons, new research has found. CLICK HERE
What’s ahead for Property? We all know that the values of property have gone nuts particularly in the past 4 years. Values are too high and they must fall. We are now looking at the end of a 15 year bull market for property which has cushioned us from the ‘hard landing’ we would have…
Hamish Douglas, Magellan Co Founder & CEO, provides his insights in this interesting 15 minute video regarding the current state of play in markets, new infrastructure opportunities and global events and the risks associated.
US Election observations Once again election polls and markets have been confused by voters reaction to major events. The UK Brexit vote in June also saw voters turn against the establishment. The result of Donald Trump being elected as President confirms that voters are looking for change and not prepared to accept the established view….
Libby Cantrill, PIMCO’s head of public policy, discusses the policy outlook and market implications following the unprecedented U.S. election victory for Donald Trump.
Firstly I want to start by sending you a Big……… THANK YOU! Thank you for taking the time from your busy life to complete the survey and for your comments. Many of our client friends took the time to respond to this survey which we are very grateful for. The results were exceptional. What…
Phil attends the annual National gathering of financial advisors in Canberra. Meetings were held with politicians, clients and product manufacturers.We were briefed on the Government’s planned legislation changes for Australians regarding superannuation and life insurance. Studies have also been undertaken of advice businesses in other countries to learn how best to provide services to our…
A new study has found that while a majority of Australians feel unprepared for retirement ….. ….. those who engage a financial planner are three times more likely to feel confident about their retirement nest egg. The Australia Today white paper, released today by MLC in partnership with research firm IPSOS, explored the…
Among the pitfalls of saving and investing for retirement is to mislead ourselves about the true state of our finances. An almost textbook example can involve the self-employed. Most of us must have heard small business owners from time to time say things like: “My business is my super”. Their intention is, of course, to…
Growing consumer confidence and easing political tensions have seen a rebound in markets, according to AMP Capital chief economist Shane Oliver. While there are still some “near-term uncertainties
Now we’ve reached the middle of the year, it’s a good time to take stock of the global economy and financial markets. We seem to have recovered from the significant volatility and depressed sentiment we saw earlier this year. But despite this improvement, we would advise investors to remain vigilant because there are still potential…
ANTHONY KEANE, News Corp Australia Network July 30, 2016 A REBOUND on the sharemarket has delivered Australians strong investment gains, but many mum-and-dad investors are missing out on much of the windfall. Shares have shrugged off the worries of last month’s Brexit vote, and a News Corp Australia analysis found that more than half of…
By Perpertual Investments. Last night the Turnbull government handed down the 2016 Federal Budget. It announced immediate tax cuts for small business, plans for a lower corporate tax rate in the long term and significant changes to superannuation. In our annual review of the Federal Budget we have analysed several measures we think will impact our…
One independent Australian research house has cautioned SMSF investors on the “tough times ahead
Chris Caton, Chief Economist at BT with the release of the 2015 Budget
A summary of the main points of the 2014 Federal Budget. Budget_2014 PDF
