Wealth Creation Blogs Worth Sharing.

Growth, growth and more growth is what we are about at Hindsight Wealth. If your super performance doesn't quite look like the graph above, perhaps it's time to do something about it? The last 12 months really should serve as an excellent test for your super fund. Investment markets around the world continue to perform strongly. 2017 is continuing to be a very positive year for domestic and international investment markets, and this should have translated to strong returns on your super fund. You should consider structuring your super fund to take advantage of this by investing in a personalised portfolio that is appropriate to your investor profile with your funds spread across all the different asset classes.  At the time of writing, the local All Ordinaries Index (a measure of the broader Australian stock market) is sitting just over 6100 points. An increase of some 14% from its level 12 months ago.  Whilst markets have been performing ...

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...

On January 13 this year I wrote a post The markets are down! What’s going to happen to my super? What do I do? And here we are a little over 2 months later and the contrast could not be greater.  Welcome to the world of investing! So what do all these numbers mean and how does it impact on my super? Well, for the majority of people, their superannuation has some level of exposure to Australian stock markets.  To get an idea of how the market is performing, you can simply follow one of the indices such as the All Ordinaries Index or ASX 200.  Without getting too technical, these are a basic measure of how the majority of the companies on the Australian stock exchange perform on average on any given day.  Normally reported on the news at night you’ll hear statements like” the All Ords went up half a percent today” . On Feb 12 this year the All Ordinaries sat at around 4800 points.  It’s currently sitting at 5240 points which means an increase of...