RI'S KNOWLEDGE CENTRE

Keeping up to date is important, so here's the news.

Market Wrap June 2019 - Markets faltered…

The rally from December lows faltered in May with most equity markets down for the month.

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inTouch Q2 2019

Welcome to our quarterly magazine – in this edition: • Take control of your retirement • Stay financially healthy even in sickness • How social media affects our spending • Rising cost of cyber crime • Protect your ability to earn income • Discover the benefits of mindful eating • Super: too important to ignore

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Market Wrap May 2019 - Markets continue to recover…

The rally from December lows has flowed into April with most markets positive.

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Editorial May 2019 - Teaching your kids healthy money habits

Teaching your kids healthy money habits. With a few simple changes, you could set a good example for your children.

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Market Wrap April 2019 - Markets march on

The market rally that began in January continued more modestly in February and into March, with most markets positive.

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Market Wrap March 2019 - A mixed bag

After January’s bounce, February was a little quieter but still ended in positive territory, with global shares up by 3.4% and 5.6% in hedged and unhedged terms respectively.

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Editorial March 2019 - Prune, adapt and budget: Managing the rising cost of living

If you’re organised with your finances, the high cost of living doesn’t have to mean diminished savings.

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inTouch Q1 2019

Welcome to our quarterly magazine – in this edition: • How to deal with irregular income • Cashflow: Keeping top tips top of mind • Downsizer super contributions could help you boost your super • Prepare for the rising Age Pension age • Smart ways to get ahead in your 40s • Enjoy luxuries without sacrificing your financial security • Six ways to get the most out of a windfall

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Market Wrap February 2019 - Shares rebound

January was a more positive month for investors after December’s volatility, with shares recovering most of their late 2018 losses. Global shares rose by 7.1% and 4.1% in hedged and unhedged terms respectively.

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Editorial February 2019 - Smart ways to financially get ahead in your 40s

In your 40s and still not financially secure? Don’t fret. You can still catch up.

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inTouch Q4 2018

Welcome to our quarterly magazine – in this edition: • Weaning young adults off the bank of Mum and Dad • How to manage finances in a relationship • Catch up on your super contributions • The five key questions on aged care • How to make working in retirement more enjoyable • Six ways to get more out of a windfall

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Editorial November 2018 - Put your financial windfall to good use

Windfalls such as salary bonuses and inheritances are more common than many people think. An Australian survey showed that 85% of seniors are likely to leave an inheritance for their children, with an estimated $3.3 trillion pledged1.

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Market Wrap October 2018 - Wall Street bulls keep charging

Global shares rose 0.8% on a hedged basis with the US market driving the biggest share of returns once again. The US market continues to deliver strong earnings supported by tax cuts.

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Editorial October 2018 - Smart ways to handle finances in a relationship

Whether they’re saving for a house or a holiday or seeking to grow or preserve their family wealth, setting up and sticking to a budget can help couples attain their common goals. By handling money well, they can avoid disagreements that could put a strain on their relationship.

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Editorial September 2018 - Managing the cost of insurance

Life insurance policies don’t have to cost an arm and a leg. Here are tips for making them more affordable.

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Market Wrap September 2018 - Wall Street leads shares higher

Global shares rose 1.5% and 4.1% in hedged and unhedged terms respectively. Developed markets remained solid, while emerging market shares remain under downward pressure.

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inTouch Q3 2018

Welcome to our quarterly magazine – in this edition: • Five ways to protect your financial information • Protect your ability to earn income • What does a weaker Aussie dollar mean for your investments? • Retirees get more flexibility to boost their super • How to live a happy life

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Market Wrap August 2018 - A more upbeat month for shares

• Share market performance was boosted in July as trade tensions eased. Global shares returned 3.2% and 2.5% in hedged and unhedged terms respectively.

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Editorial August 2018 - How to keep your business debt under control

Sometimes you can’t avoid debt in a business. You may have to take out a loan, for example, to increase production or expand your business offerings. But piling up a lot of debt may leave your business in financial difficulty or, worse, bankrupt. So it’s vital to manage your debt before it gets out of hand. Here are some practical suggestions to consider.

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Technical Update July 2018 - Personal income tax cuts now law

On 8 May 2018, the Turnbull Government announced in the Federal Budget that there could be changes to personal income taxation commencing 1 July 2018. These proposed changes included: • introduction of a new temporary Low and Middle Income Tax Offset (LMITO) payable over four financial years • progressive changes to personal income tax thresholds. Since the announcement was made, the changes have now passed Parliament and await Royal Assent, which is usually just a formality. With this in mind, we take a look at what these changes may mean for you.

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Market Wrap July 2018 - Trade concerns flatten returns

Share markets delivered solid returns in June. However, the gap between robust returns across most developed markets and weak returns in emerging markets continued. Australian equities continue to perform strongly.

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Editorial July 2018 - Saving for retirement when you have dependants

Preparing for retirement can be difficult for parents who have dependent children to support. They may find themselves torn between saving for retirement and setting aside money for their children’s education or other needs. Even adult children ask their parents for financial help; one survey found that more than half of Australians aged 18 to 35 borrow regularly from their parents, including to get help with big purchases or university fees.

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Editorial June 2018 - Saving for a first home is now easier

First-home buyers can now use their super to save for a house deposit, thanks to the First Home Super Saver scheme. Exorbitant property prices have made entering the market a pipe dream for many first-home buyers. They need to find more than $175,000 for a 20 per cent deposit to buy a house in Sydney at the median value of $878,325, according to CoreLogic data

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inTouch Q2 2018

Welcome to the latest edition of inTouch magazine. This quarter we focus on topical articles that are relevant for many of our clients, no matter what stage of life they are in. Whether you are just starting out and getting your financial future on track early, or you are heading towards the golden days of retirement and beyond, our articles provide useful information that we are pleased to share with you.

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Market Wrap April 2018 - A bumpier ride

Trump’s trade tariffs with possible repercussions in the form of a trade war and a shake-up in technology stocks, led by Facebook on the back of its privacy violation, meant March was a bumpy ride for Wall Street. The U.S. stock market finished the first quarter of 2018 with losses for the first time in 10 quarters.

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Editorial May 2018 - Be retirement ready - plan early

You need to be savvy to build a sufficient nest egg for retirement. Planning is key, and so is getting professional advice. Most Australians are not saving enough for retirement and risk running out of money sooner than they expect. Data shows that in 2015–16, Australians had average superannuation balances of only $270,710 for men and $157,050 for women at the time of retirement.1 These sums are significantly lower than the $545,000 that the Association of Superannuation Funds (ASFA) estimates singles need for a comfortable lifestyle in later years.

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Market Wrap March 2018 - Market corrects

Share markets continued late-January’s correction in February before a partial bounce-back saw global shares recover some ground, ending the month down 3.7% in hedged terms. New US Federal Reserve Chair Jerome Powell’s debut testimony flagged the Fed may raise rates 4 rather than 3 times this year. This, along with prospects of a larger US fiscal deficit sent US Treasury yields and the US dollar higher.

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Editorial March 2018 - Get help choosing personal insurance

When things go wrong, it’s nice to know you’re covered. But getting suitable insurance cover can be a matter of getting professional advice.

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inTouch Q1 2018

Welcome to our quarterly magazine – in this edition: Start your own business and thrive Professional advice and customised portfolio solutions • Managing your money through illness or injury What’s the Bitcoin buzz? Wedding budget bliss: how to afford your dream wedding Change your lifestyle, change your health

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Editorial February 2018 - Make your financial New Year’s resolutions come true

New Year’s resolutions help you focus on what you would like to achieve in the coming year. Financial resolutions can be particularly beneficial, especially if you’re serious about following them through. Here are some suggestions to get you started.

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Market Wrap January 2018: Positive end to 2017

Most share markets ended 2017 positively, with global shares in hedged terms returning 1.1% in December, topping off a strong year (20.0%). A strong earnings season and the passing of the long anticipated tax reform legislation boosted US shares in December. The S&P 500 delivered positive returns for each month of 2017 without much volatility.

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Editorial January 2018 - Take a break - Without breaking the bank

Take a break – without breaking the bank Holidays should be a well-deserved break from worry. Here’s how to minimise your stress and have a relaxing time away.

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Market Wrap November 2017: Global and local shares surge

The US remains buoyant with business and consumer confidence elevated. The US share market (S&P 500) keeps powering along supported by solid earnings and accommodative policy.

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inTouch Q4 2017

Welcome to our quarterly magazine – in this edition:What’s new in superannuation? Simple ways to help keep Christmas affordable Why you should consider key-person insurance Five things to consider when giving to charities Plan behind Healthy tips for avoiding dementia

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Editorial November 2017 - Financial literacy leads to healthy habits

It’s an important skill but many people are still not as financially literate as they should be. Here are some ways that may help you improve.

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Editorial October 2017 - Five things to consider when giving to charities

The urge to donate is strong in Australia, and it’s easy to make it part of your financial plan. An estimated 14.9 million Australian adults (80.8 per cent of the population) gave $12.5 billion to charities and not-for-profit organisations in 2015–16.

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Market Wrap October 2017: Global shares maintain momentum

Talk surrounding Donald Trump’s proposed tax reforms and solid economic data more than offset concerns about North Korea, the US Federal Reserve announcing that they will commence to trim their balance sheet and likely lift rates again this year.

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Editorial September 2017 - Budget basics for teens and young adults

As kids grow older, their financial needs – and their opportunities – grow more complex. If you have done the groundwork and taught your children the benefits of budgeting and saving, it will be much easier to talk to them about managing their finances in their teens and beyond. Teaching good money management early will help them make informed financial decisions over the long term.

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Market Wrap September 2017: Hitting the brakes

Share markets in the US closed flat for August after a choppy month on the back of US political uncertainty, riots in Charlottesville and tensions in North Korea. The devastation of Hurricane Harvey also contributed to what has been the most volatile month in the S&P500 this year.

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inTouch Q3 2017

Welcome to our quarterly magazine – in this edition:What’s new in superannuation? Fixed income: friend or foe? Personal insurance in a nutshell First-home buyers get some help Relaxation: ...

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Editorial August 2017: How to deal with market volatility

How to deal with market volatility Market volatility can be a curse or a blessing… It all depends on how ready you are to deal with it...

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Market Wrap August 2017: Bouncing higher

Global share markets rose strongly during July as political risks and fears of a hard landing in China subsided. US growth in the second quarter lifted and we suspect a similar outcome in Q3...

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Editorial July 2017: First-home buyers get some help

First-home buyers get some help State and federal governments are creating new incentives to help first-home buyers get into the overheated housing market...

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Market Wrap July 2017: Fed raises rates though markets pause

Global share markets paused in the month following rising volatility on the back of lower oil prices. The Fed raised interest rates by another 25bps following better economic conditions although the market ...

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Editorial June 2017: Budget offers an incentive to downsize

Budget offers an incentive to downsize The 2017 Federal Budget encourages some older people to downsize from homes that no longer meet their needs to free up housing stock for young families...

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Market Wrap June 2017: A mixed bag

Global share markets rose during the month as a strong reporting season in the US and Europe lifted investor confidence. Australian shares underperformed global shares as concerns over economic growth ...

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inTouch Q2 2017

Welcome to our quarterly magazine – in this edition: SMSFs are on the rise Should we continue allocating alternatives in a diversified portfolio? Are you financially ready for retirement? Changes…

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inTouch Q1 2017

Welcome to our quarterly magazine – in this edition: Safeguarding your retirement plan Retirees and life insurance? Tax changes for seniors are now on the table Are your finances ready for ...

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Market Highlights - December 2016

Market Highlights, Onwards and upwards Global growth indicators continued to firm through November as inflation expectations rose on the back of higher levels of industrial activity. Share markets, especially...

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