December 1, 2016

Why investors should understand an ETF’s DNA

Fortunately, it is a relatively straightforward exercise for investors in index-tracking Exchange Traded Funds (ETFs) to follow one of the fundamental rules of sound investment practice: Never invest in a product you don’t understand. An index ETF is designed to replicate the returns of a specific equity or bond index before fees. In short, investors can choose their level of exposure to an index they understand. Apart from being easy to trade, index ETFs are typically low-cost, transparent and, given their usually low-turnover, tax-efficient products. And the fact that they are based on broad indices means these ETFs are a […]
December 1, 2016


We would like to wish you, your family and friends a wonderful Christmas and New Year. Our office will close for the Christmas break at midday on Wednesday December 21 and will reopen on Tuesday January 3. As these days Christmas appears to be more of a retail festival than a religious event, and while it can be a season of joy for many, it is a time of stress or loneliness for others, here  are five ways to give your Christmas a makeover: Have an “Orphan’s Christmas”. If you have neighbours who live alone or don’t have family nearby, why not […]
November 24, 2016

Older, wiser, more realistic

It may be inevitable, but growing older is not a lot of fun. Still, there is some comfort in numbers – after all, the whole world is ageing. The latest Melbourne Mercer Global Pension Index puts the notion of ageing populations into a worldwide perspective. For instance, in 2010, there was one person aged over 65 per 4.7 people of working age across the 27 countries measured in this index. By 2040, that ratio is expected to double, with fewer workers compared to a greater number of ‘over-65s’, with residents in those countries living an average of four years by […]