Advice360

𝗙𝗼𝘂𝗿 𝗰𝗵𝗮𝗿𝘁𝘀 𝘁𝗵𝗮𝘁 𝗲𝘅𝗽𝗼𝘀𝗲 𝗺𝗮𝗿𝗸𝗲𝘁 𝗰𝗼𝗻𝗰𝗲𝗻𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗿𝗶𝘀𝗸
Investors have recently been rewarded for backing market leaders, but history suggests this eventually comes at a cost. Now may be the time to review whether your portfolio is carrying unintended risks beneath the surface.
https://www.firstlinks.com.au/four-charts-that-expose-market-concentration-risk

𝗧𝗵𝗲 𝗰𝗮𝘀𝗲 𝗳𝗼𝗿 𝗴𝗲𝗮𝗿𝗶𝗻𝗴 𝗯𝗲𝘆𝗼𝗻𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆
Most Australians gear into property but ignore shares. That may be a mistake. Used carefully, geared equity strategies can enhance long-term returns, reduce cash tied up in growth assets and support retirement income goals.
https://www.firstlinks.com.au/the-case-for-gearing-beyond-property

𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮'𝘀 $𝟭 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 𝗱𝗲𝗯𝘁 𝗽𝗶𝗹𝗲
The headlines exclaiming that Australian government debt has hit A$1 trillion and US government debt has hit $40 trillion has turned heads, but how serious are they really? Will Australia's mix of debt create challenges?
https://www.firstlinks.com.au/australias-1-trillion-dollar-debt-pile

𝗛𝗮𝘀 𝟭𝟬𝟬 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 𝗴𝗿𝗼𝘄𝘁𝗵 𝗺𝗮𝗱𝗲 𝘂𝘀 𝗮𝗻𝘆 𝗵𝗮𝗽𝗽𝗶𝗲𝗿?
For decades, GDP has been the benchmark for economic success, but has it made us materially happier? If happiness does not rise in lockstep with prosperity, are we overlooking what constitutes a successful society?
https://www.firstlinks.com.au/has-100-years-of-growth-made-us-any-happier

𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝗙𝗶𝗿𝘀𝘁𝗹𝗶𝗻𝗸𝘀 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝟲𝟳𝟲 𝘄𝗶𝘁𝗵 𝘄𝗲𝗲𝗸𝗲𝗻𝗱 𝘂𝗽𝗱𝗮𝘁𝗲
In an industry crowded with gurus, forecasters and the occasional charlatan, where do we go for advice?
https://www.firstlinks.com.au/welcome-firstlinks-edition-676

𝗧𝗲𝘀𝘁𝗮𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝘁𝗿𝘂𝘀𝘁𝘀 𝗵𝗮𝘃𝗲 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝘁𝗵𝗲 𝗖𝗚𝗧 𝗲𝘅𝗲𝗺𝗽𝘁𝗶𝗼𝗻
Treasury's latest CGT reform draft delivers a win for testamentary trusts and deceased estates, exempting estate-derived gains from the 30% floor. However, questions on death and divorce rollovers remain unresolved.
https://www.firstlinks.com.au/testamentary-trusts-have-secured-the-cgt-exemption

𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝘀𝘂𝗽𝗲𝗿 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲?
Average super balances are one of the most misleading benchmarks. They ignore your goals, spending and future needs, creating a false sense of security. Here is how I calculate exactly where I need to be at every decade.
https://www.firstlinks.com.au/how-much-super-should-you-have

𝗥𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝘄𝗼𝗿𝗸 𝗶𝘀 𝗲𝗮𝘀𝘆, 𝗿𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗹𝗶𝗳𝗲 𝗶𝘀 𝗵𝗮𝗿𝗱𝗲𝗿
Most people spend decades planning how to retire. Far fewer plan for what comes next. The biggest retirement challenge isn't always financial, and it often catches even the most prepared retirees completely off guard.
https://www.firstlinks.com.au/retiring-from-work-is-easy-retiring-into-life-is-harder

𝗥𝗶𝗴𝗵𝘁 𝗮𝘀𝘀𝗲𝘁 𝗰𝗹𝗮𝘀𝘀, 𝘄𝗿𝗼𝗻𝗴 𝗶𝗻𝗱𝗲𝘅: 𝘁𝗵𝗲 𝘁𝗿𝗮𝗽 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝘀𝗺𝗮𝗹𝗹 𝗰𝗮𝗽𝘀
Most Australian portfolios are concentrated in large caps, with relatively little exposure to smaller companies. But what if the biggest risk isn't the economy, interest rates or valuations? For many, the risk is hidden in plain sight.
https://www.firstlinks.com.au/right-asset-class-wrong-index-the-trap-in-australian-small-caps

𝗔𝗿𝗲 𝘁𝗵𝗲𝘀𝗲 𝗮𝘀𝘀𝗲𝘁𝘀 𝘁𝗵𝗲 𝗺𝗶𝘀𝘀𝗶𝗻𝗴 𝗽𝗶𝗲𝗰𝗲 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼𝘀?
Many investors remain concentrated in shares, cash and property. Despite their popularity among institutional investors, real assets remain underrepresented in many SMSF portfolios. Could they be the missing piece?
https://www.firstlinks.com.au/are-these-assets-the-missing-piece-in-australian-portfolios