October 4, 2017

Investing: how to reduce concentration risk

Concentration risk. No, it’s nothing to do with thinking too hard about something. In fact, it’s more likely to be a result of not paying enough attention. Concentration risk is the increase in investment risk that comes about from not sufficiently diversifying your portfolio. In other words, too much money is concentrated in too few assets, sectors or geographical markets. This can happen: Intentionally, because you have a strong belief that a particular share or sector, such as resources, banks or property, is likely to outperform in the future. Unintentionally, through asset performance. One or two shares deliver spectacular gains, […]
September 27, 2017

The power of extra salary-sacrificed contributions

As the first quarter of 2017-18 draws to a close, it’s worth checking whether you are making the most of your ability to make regular salary-sacrificed super contributions. If your salary-sacrificing contributions are lagging, think about stepping up your contributions for the remaining nine months of the financial year. Your ability to step up your contributions – never overlooking the annual contributions cap – will much depend on your personal circumstances. There are, of course, two broad categories of super contributions – concessional (before-tax) contributions and non-concessional (after-tax) contributions, each with different annual contribution caps*. If you are thinking of […]
September 20, 2017

Generation – A Poem

Generation by Ron Le Pla When a nations short of volunteers and numbers in decline, A selfish generation says, “we just don’t have the time. It’s sad to see so many groups, have fallen by the way, When we lose all our volunteers, then someone has to pay. A country built on mateship, to give someone a hand, Is changing at a rapid rate, it’s hard to understand. Wasting time on facebook, with useless show and tell, Broadcast all their private life, who cares, so what the hell. Buying stuff that’s trendy, to keep up with the mob, A cost […]