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Welcome to the 2016/2017 financial year. No doubt you’re all enjoying your new cars and computers that you rushed out and bought before June 30. Or like most people, you probably didn’t realise that July 1st marks the start of the new financial year. Don’t’ worry, this is not going to be one of those “let’s look back over the last 12 months” articles where we remember which celebrities are no longer, or who won major sporting events (although go the Maroons!). But I think it important to give some brief consideration to how our local investment markets have performed and how this has translated to our super funds. Believe it or not, it’s been a fairly stagnant year as I write this. Our local markets are set to finish pretty much where they started 12 months ago. A little hard to believe given the recent Brexit debacle where we were all told it was the end of the world financially. So what should we expect from the next 12 months? Well, nobody knows. However, there is ...

Book and have your free Statement of Advice consult with Andrew O’Brien of Hindsight Wealth before the Bronco’s Vs Panthers game Friday 22 July, 2016 at Suncorp Stadium, Brisbane to be in the draw to win a family ticket to the big game. Terms & Conditions Andrew O’Brien of Hindsight Wealth is conducting this promotional game. The prize is: A family general admission ticket to the Bronco’s Vs Panthers game. 7.45 p.m Friday 22 July, 2016 at Suncorp Stadium, Brisbane. Family ticket constitutes (2 adults, 2 children) or (1 adult, 3 children). Draw entrants must be over 18 years of age. A Statement of Advice consultation is a complimentary service. The promotion closes Friday 15th July, 2016. The draw date is Monday 18th July, 2016. The lucky winner will be announced on Andrew O’Brien of Hindsight Wealth business Facebook page and Andrew O’Brien of Hindsight Wealth LinkedIn profile. The winner will be notified via Facebook, email and phone.

I’ve posted recently about the positive start investment markets have made for the year. This in turn has had a positive impact on my client’s super funds with balances enjoying healthy gains. As I’ve said before, we shouldn’t get too excited about short term gains. Superannuation is very much a long term investment. However, what the last few months does demonstrate is the need to have your superannuation invested appropriate to your time horizon and risk profile. Understanding the numbers is important. For instance, if you are just starting out in your career and have a relatively modest super balance of $20,000, even a solid annual return of 10% will only yield in increase of $2,000 in your balance. By contrast, if you have a higher balance of say $100,000 then the same percentage return yields a $10,000 increase. Obviously this isn’t a complicated concept. However it highlights the need to manage your super correctly from the very start. Get your super performing ea...

Quite often the Mum’s out there take time off from their professional careers to help raise the family. Of course, this is also the case for many Dad’s out there. As this weekend is Mother’s Day, the focus should be on Mum. Being properly insured whilst working is one thing, but what about when you’re taking time off to be at home? Many insurance companies recognise the importance of “stay at home Mums” (or Dads) and essentially treat the role as a recognised occupation. And so they should. It’s one of the hardest occupations we can undertake. Being insured while you’re at home is important. Why? What if you become disable, or worse? What happens financially for you and your family then? These are things that should be considered in an insurance review. A consequence of having time off may be that returning to work may mean starting a new job with a new employer. In fact this can happen to anyone over the course of their career. One of the outcomes is a number of...

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