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Key points 2018-19 saw solid returns for diversified investors, helped by a sharp rise in share markets in the last six months & solid returns from most assets, except cash. Key lessons for investors from the last financial year were to: turn down the noise around investment markets, maintain a well-diversified portfolio; and cash…

Tracy-Dyer-Informed-Investor-May-2019

What-could-the-2019-election-outcome-mean-for-you-Tracy-Dyer

Super and Insurance changes info sheet Tracy Dyer

The Federal Treasurer, the Hon. Josh Frydenberg MP, delivered the 2019 Federal Budget on 2 April 2019. As widely predicted, the announcement included a range of tax cuts for both individuals and businesses. The Treasurer also announced increased funding for regulators to encourage tax and superannuation compliance, a number of positive changes to superannuation, and an…

Tracy-Dyer-Informed-Investor-February-2019

With tap and go payments becoming ever more popular and the advent of instant transfers between domestic bank accounts, how much longer will we be using cash as a form of payment? According to recent survey results produced by You Gov Galaxy and commissioned by payments provider Square, the average answer to this questions is likely…

An ETF is an investment fund that holds a basket of securities – such as shares or bonds that tracks a specified index – and is itself a listed share, traded on a stock exchange. ETFs are low-cost, simple vehicles that can offer exposure to a wide range of Australian and global asset classes, indices and…

Successful investing despite 115 million worries and Truth Decay It may seem that the worry list for investors is bigger and more confusing than ever before. Some of this may relate to US President Trump’s disruptive and “open mouth” approach as highlighted by the “trade war” and his frequent and sometimes contradictory tweets. For example, on 24th…

A ‘black swan’ refers to an event or occurrence that deviates beyond what is normally expected of a situation and is extremely difficult to predict. Brexit arguably is a 'black swan' that, paradoxically, has taken years to unfold. Despite this, we still do not know what the effects of Brexit will be. We know the basic facts:…

The days of retiring as soon as you can get an age pension may well be over. With Australians living longer and healthier lives than ever before, many seniors are choosing to stay in the workforce. In fact, around 13% of Australians aged 65 or over are still working, up from around 9% a decade…

With recent media coverage about insurance sales tactics, many Aussies might be concerned they’re being sold personal insurance policies – life, total and permanent disablement (TPD) and income protection – they don’t really need. The fact that some Australians with multiple super accounts are likely to have duplicate personal insurance policies, is also putting the question…

While a Will states how you would like your hard-earned assets to be distributed, it doesn’t automatically include your super. That’s because, unlike directly owned property or shares, super doesn’t necessarily form a part of your estate. The super fund trustee will distribute it in accordance with super law and the fund’s trust deed and…