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Fund Manager Articles

EDUCATION

The 2021 Vanguard Index Chart illustrates how sticking to a long-term investment plan, with diversification across a range of asset classes, allows you to grow your wealth even in the face of market crises and short-term volatility.
How do they differ from Managed Funds?
People have been buying shares as we now know them since the 1600s.
Successful investors are passionate about investing but objective in their decision making.
Have you heard the mantra that you’ll need $1 million or more to retire? It’s the figure often thrown around as the financial retirement ideal.
Every day, we hear reports about market movements, but what is it that makes markets go up and down?”

Superannuation

EDUCATION

Most retirees have modest spending habits regardless of income
In June 2017, there were over 595,000 SMSFs1 in Australia with assets of more than $696 billion2 , making them the largest type of superannuation (super) fund in the market.
There are lots of different super funds out there, and different types of accounts. Find out how to compare super funds, find your lost super, and consolidate funds into one.
New research indicates that more than half of pre-retiree Australians (aged over 50) are on track to fall short of the level required to have a comfortable retirement.

Retirement

EDUCATION

This Plain Talk® Guide explains the financial challenges you’ll face in retirement and outlines some of the ways you can structure your investment portfolio to make the most of your retirement income with the help of a professional financial adviser.
Have you heard the mantra that you’ll need $1 million or more to retire? It’s the figure often thrown around as the financial retirement ideal.
How downsizing retirees can boost superannuation with home sale.
New research indicates that more than half of pre-retiree Australians (aged over 50) are on track to fall short of the level required to have a comfortable retirement.

Insurance

EDUCATION

Life insurance can help protect you and your loved ones financially if something unexpected happens.
Cardio vascular disease, which includes heart attack and stroke, is the single biggest cause of death and disability in Australia, affecting 3.7 million Australians and two in three families.
We insure our cars, home, pet and even our health. But, many of us neglect to insure our most important asset – our lives.

What is underwriting?

Underwriting is the process insurance companies use to work out whether they can insure you, how much they can cover you for, and how much you’ll need to pay in premiums. During underwriting, your adviser may ask you a number of health and lifestyle questions, such as your height and weight, whether or not you smoke, and any illnesses or medical conditions you may have or have had. They may also ask you about your job, pastimes and income details. If you’re in good health and don’t have a risky job or risky pastimes, you’ll generally be accepted for cover. If you have any health or lifestyle risks, there is a chance that the insurer may not be able to offer you the cover you were after. It is important that you answer any underwriting questions truthfully, otherwise any claim you make in the future may be reduced or declined altogether.

Investing

EDUCATION

Investment funds can be managed in one of two ways—active or passive. Active managers aim to beat the return of a market index or benchmark, while index or passive managers aim to closely match market returns.
One thing we know is that you can’t control investment markets. Volatility is part of investing. What you can control is your investment strategy.
Planning is the key to successful investing. Creating a plan will help you find investments that fit your investing time frame and risk tolerance, to help you reach your financial goals sooner.
In investing, risk is often seen only as downside, instead of as a necessary part of achieving higher long-term returns.

Gearing To Invest

EDUCATION

It is very important that you seek professional financial advice before committing to any leveraged investing.

OnTrack Wealth is authorised to provide advice on margin lending and is well placed to outline the pitfalls and benefits of this type of investing. Our principal adviser, David, has over 40 years experience as a lender (personal, home loan, business, corporate, margin/equity) and is a margin lending specialist.

Please Contact Us to arrange an appointment to discuss further. In the meantime, please take the time to read these articles.
Lower tax on your investments can help you reach your financial goals sooner. But don’t choose an investment based on tax benefits alone.
Borrowing to invest is a medium to long term strategy (at least five to ten years). It’s typically done through margin loans for shares or investment property loans. The investment is usually the security for the loan.
A margin call is triggered when
  • Your Current LVR exceeds the Margin Call LVR; or
  • your Current LVR exceeds the Maximum Gearing Ratio
Why fear is an investor’s worst enemy.
Instalment gearing combines two investment strategies: borrowing to invest, and regular investing. By implementing a regular savings and investment plan you can progressively build an investment portfolio.
Exchange Traded Funds (ETFs) are one of the fastest-growing products in the investment world, for good reason. ETFs offer in one listed stock instant access to the ‘beta’ (market performance) of a range of different asset classes, market indices, portfolios and strategies.

Personal Finance

EDUCATION

A critical illness or serious injury can make it difficult to continue to work. Trauma insurance can help support you and your family at this time and pay for medical and rehabilitation costs.
Living costs for Australian retirees rise at fastest pace in a decade.
Work out where your money is growing.
“An experienced financial adviser provides customised portfolio management and discipline that can better position you to reach your long-term investment objectives.”
“Before you bring your furry friend home, make sure they’ll suit your budget and lifestyle.”
Becoming a parent is an exciting and life-changing step. Be well-prepared for the costs and budgeting for them.
Budgeting helps you to feel in control of your money. Setting up a budget gives you a clear picture of your income and expenses. It can help you spend less and save more to achieve your money goals.
How to money-proof your relationship