Financial Planning

Defensive Company

Companies that deal with products or services that have inelastic demand are likely to be defensive companies. In simpler terms, anything having ‘inelastic’ demand is something that is an essential good or service, irrespective of price changes. Such products and services include healthcare, water, electricity and fuel. The stability offered by a defensive company is…

Ethical Investing

Socially responsible investors hope to build up wealth and make the world a better place. Whether that’s saying “No” to weapons, uranium mining, gambling and tobacco, or seeking out companies that are effecting change in a positive way, profiting from principle is a cause that an increasing number of Aussie investors embrace. Scores of Australians are…

Agribusiness Investments

In the weeks leading up to the end of the tax year, scores of accountants and financial advisers will buy interests in such things as timber plantations to mitigate mounting tax bills for clients. Some say that, as far as tax deductions go, agribusiness investments are about as good as it gets. Investors wanting to…

Estate Planning

It’s probably fair to say that the majority of people think estate planning involves drafting a will and perhaps buying life insurance. Unfortunately the checklist of estate planning items is considerably longer than this, and failing to tick all the boxes can produce a raft of unintentional consequences, including a big tax bill for your…

Value funds

Value funds seek to invest in quality stocks that are unloved by the market, and therefore undervalued, whereas growth funds choose stocks on the basis of their ability to increase earnings. According to the value-versus-growth literature, you should hold a mix of value and growth-style managed funds. That’s because good times for growth should correspond…

Platform (master trust and wrap account)

If you see a financial adviser these days they will more or less demand that you invest via a master trust or wrap account, otherwise known as an administrative platform. Your adviser might even offer you a choice of platforms, with a different selection of managed funds or shares on each. Platforms can be confusing…