Subscribe today to a new category of advice

Name(*)
Please let us know your name.

Email(*)
Please let us know your email address.

Confirm Email(*)
Please enter your email address again.

CWealth Blog

Follow what Clifton Wealth have to say beyond financials, and we'll share useful, engaging and informative articles, insights and interviews about topical news, industry trends and relevant aspects of day to day living.

Bold Predictions for 2018

Bold Predictions for 2018

1. US share markets will go to all-time record highs.
2. US interest rates will rise.
3. Geopolitical tensions will keep investors on edge.
4. The Australian economy will create a new world record for the number of consecutive years without a recession.
5. Equity markets will be more volatile than 2017.
6. Australian equities will nonetheless produce positive returns for a remarkable 7th year in a row.
7. Australian cash rates will not rise above 2%.
8. Australian residential property prices will not collapse.
9. Australian commercial property will produce solid returns.
10. Most active managers will struggle to beat their benchmarks.

Ok, these forecasts are fearless only in the sense that they are not very brave!

However, unlike the majority of predictions we see at this time of year, these forecasts have a very high chance of being largely correct – because they aren’t very brave. They either reflect what is already known, or are expressed so vaguely as to say very little.

Are they useless? To professional investors, yes. However, for lay people, there is some useful information here. Interest rates will go up a little but not enough to worry about, a recession is unlikely, growth assets will have their usual ups and downs but should still outperform cash. Stay the course – for now.

Here’s a little information about Tim Farrelly:

Tim Farrelly brings a unique combination of analytics, understanding of financial markets, knowledge of capital market history and insight into the practical requirements of financial advisers.

Before joining the Asset Allocation Committee of Implemented Portfolios, Tim was an Executive Director of Macquarie Bank Ltd, and Director of Macquarie Investment Management Ltd (MIML). He has an MBA (Distinction) from the Harvard Business School and a Bachelor of Engineering (Met) from the University of Melbourne, where he was awarded the J.Neill Greenwood Medal.

 

If you're not sure what your financial move should be this year, Contact Us.
Call Clifton Wealth 1300 TO WEALTH (1300 869 325).

Rate this blog entry:
16 Hits
0 Comments

Saving for School Fees

Saving for School Fees

Thankfully there are ways to take the pain out of school fees.

Structured savings and an investment plan is of course ideal. But if you didn’t manage that keep reading, because below are some options you might not be aware of.

Continue reading
Rate this blog entry:
95 Hits
0 Comments

Conspicuous Consumption

Conspicuous Consumption

Do you count other people's money?

Social media is flooded with posts of friends’ exotic holidays, fabulous parties, new cars and new homes.

But don’t be fooled, it’s just a filter!

Continue reading
Rate this blog entry:
203 Hits
0 Comments

The Secret to Happiness in Retirement ...

The Secret to Happiness in Retirement ...

The secret to happiness is well within your reach. It is a state of mind and completely within your control regardless of your financial situation. You can have happiness right now, no matter what’s going on in your life.

How financial freedom forces you to learn the truth about money and happiness

There is a seldom said, little secret about financial freedom. It is counter-intuitive and illustrates an essential principle about money and happiness.

Continue reading
Rate this blog entry:
254 Hits
0 Comments

Super Changes from July 1

Super Changes from July 1

In late January the changes to superannuation outlined in the May 2016 Federal Budget became law.

So it’s important to understand what these changes are and how they may affect you.

While there are a number of changes that will be made effective on 1 July 2017, below we have identified some particular areas of interest to take note of:

Continue reading
Rate this blog entry:
405 Hits
0 Comments

Asking Questions of the Future You

Asking Questions of the Future You

Every week or so, our adviser discuss what books they've been reading that helps us do what we do. We discuss and share insights – it’s a time and process that we all value and get a lot out of.

Today we talked about The Happiness Trap by Russ Harris. It was first published 10 years ago but the content remains current and resonated with all of us. It’s a global best-seller for a reason.

Continue reading
Rate this blog entry:
397 Hits
0 Comments

A Blended Family and Your Estate

A Blended Family and Your Estate

A few generations ago, marriage was generally ‘permanent’ and something that you stuck with regardless of whether or not it was working and you were happy. A failed marriage was something to be ashamed of, and blended families were unheard of.

But these days, one in five Australian families are living as a ‘blended’ family, and one in three first marriages now end in divorce. And, these figures are rising.

Continue reading
Rate this blog entry:
454 Hits
0 Comments

Staying Active in Business in Retirement

Staying Active in Business in Retirement

Leaving a full time working role can be a challenge for many people when they reach retirement age.

While the thought of a relaxing lifestyle and being able to do whatever you want, whenever you want, is appealing initially, many retirees quickly become bored and are left wondering, “What can I do now?”

Continue reading
Rate this blog entry:
518 Hits
0 Comments

Ray Jaramis wins "Newcomer of the Year" Award

Ray Jaramis wins "Newcomer of the Year" Award

On Friday 12th August, we were proud to announce that our youngest adviser Ray Jaramis won Newcomer of the Year Award at the 2016 IFA Awards.

This award recognises Australia’s top new advisers, considering not only the delivery of best practice advice but also the aptitude and acumen to build a solid advice business and client proposition. As well as these key skills, the award recognises their potential as a future industry leader.

This award is evidence that our unique advice proposition attracts, develops and produces the most exciting young talent in Australia. Ray has been an integral part of the Clifton Wealth team since inception, and with our partner Treysta Wealth Management since 2013; his thirst for knowledge, willingness to innovate and enthusiasm for the industry is a natural fit.

Continue reading
Rate this blog entry:
584 Hits
0 Comments

Should You Help Your ADULT Children Financially?

Should You Help Your ADULT Children Financially?

In a perfect world, your children will learn sensible financial practices and how to manage their money throughout their childhood and teenage years. As adults, they’ll be capable of making an adequate income and will be responsible with this money.

But let’s face it, life’s not perfect, and many children don’t learn these lessons for one reason or another. Or, they may have great money management skills, but life has thrown some tricky situations at them and they’re stuck in a money-less rut they can’t get out of.

Continue reading
Rate this blog entry:
499 Hits
0 Comments

Blog Archive

2018
January
March
April
May
June
July
August
September
October
November
December
2017
January
March
April
May
June
August
October
December