Market Update - August 2019

Many of you would be aware of the media attention regarding financial markets over the last couple of months. Approximately two weeks ago, on the 6th of August, news headlines reported financial markets had ‘buckled’ after China escalated the trade war with the U.S. sending American shares to have the biggest drop this year. The Dow Jones plunged 767.27 points, or 2.9%. The following day, Australian markets followed with a drop of 1.9%, the media announcing it was the biggest loss since December last year. Outside the media selecting emotive words to sensationalise things, the details have been correct however I thought putting some context around the recent volatility may help provide some clarity especially as markets continue to be turbulent. To date the markets are down by 5-6% from their highs reached a month ago.

Category: Newsletters

Insurances inside Superannuation - May 2019

Important notice around insurance changes within superannuation

We're writing to you with some important information about changes that may impact you if you hold insurances within superannuation. If you are certain you don’t hold insurances in ANY superannuation accounts you can effectively ignore this update.

Category: Newsletters

Seasons Greetings - December 2018

Season's Greetings one and all.


This year’s Christmas message has been delivered a little later than previous years due to the recent share market volatility - it has definitely kept us very busy in the office at Active Financial Services.

Category: Newsletters

Market Update - October 2018

Back in February this year we had a share market decline of 10% in the US and 6% in Australia. Over the following month things improved and the market continued to rise again. I wrote at the time that the decline in the market was mainly due to concerns about rising rates in the US and the rapid growth in their market. We expected things to improve and by September the US hit new records and the Australian market hit a ten year high!

Category: Newsletters

Recent media coverage about AMP - July 2018

Recently there has been much negative media attention on AMP including a Four Corners program on Monday night. The program looked back at the history of AMP and their advice business during and after the recent Royal Commission hearings.

The program covered the topic of ‘fees for no service’ and improper conduct by AMP management and advice network. AMP have admitted they have “let down its customers and are working hard to make significant improvements across the business to ensure our focus is firmly on helping and supporting its customers”.

Active Financial Services has used some AMP products to meet client’s needs (only where appropriate and suitable) and therefore the recent media coverage on Monday will understandably continue to cause concern for some clients.

Category: Newsletters

Royal Commission - May 2018

The Royal Commission and the impact on you and your portfolio
Two weeks of royal commission hearings into the financial advice sector concluded on Friday with a lengthy closing statement that implicated nearly every institution that gave evidence.
The evidence covered the topics of fees for no service, investment platform fees, inappropriate financial advice, improper conduct by financial advisers, and the disciplinary regime of the financial advice profession.

Category: Newsletters

Market update - February 2018

As you may be aware, it has been a volatile time for markets both home and abroad which has rightfully raised concern for many investors. The US and Japanese shares have fallen approximately 10% from their highs to their recent lows , Eurozone shares have fallen 8%, Chinese shares have fallen 9% and Australian shares have lost 6%.

Category: Newsletters

Superannuation Changes Update - June 2017

Concessional contributions cap changes
For many clients, super remains a highly tax-effective structure through which to hold investments. However, current contributions caps and the changes taking place in a few weeks mean that planning ahead over the longer term is the best way to maximise the benefits of super.

Category: Newsletters

Christmas Update - December 2016

Seasons Greetings one and all.

Like most years, 2016 has been another eventful year. From the concerning, with 30 million (plus) people in the United Kingdom voting in a referendum to leave the EU – a vote in which a whopping 52% people voting in favour of leaving EU ('Brexit') and only 48% people negating the exit strategy.

Category: Newsletters

Centrelink Update - December 2016

As you will know, on 1 January 2017 there will be changes to the assets test for calculating Centrelink pensions. These changes to the assets test may affect your age pension payment. Many clients are now receiving the Centrelink letter informing them of the impact to their age pension.

Category: Newsletters

Trump Elected - November 2016

U.S. Voters wanted change and they now have it. Donald Trump has been elected the next president of the United States with the Republican Party likely retaining control of the House, and probably the Senate. This means President Trump’s policies could have a slim margin of support in Congress. The win for Donald Trump highlights the feeling of dissatisfaction among middle class America.

Category: Newsletters

We are up and running - October 2016

Following on from our update last week, we are happy to inform you we have re-instated our communications at Suite 1, 3 Barker Avenue. Our emails are now working and starting today, it is business as usual. We aim to respond to the back log of emails throughout the day.

Category: Newsletters

Relocation Update - October 2016

As you are aware, we have moved location to Suite 1, 3 Barker Avenue, Como. The time and date of our relocation was directly linked to when the NBN team could relocate our telephony & internet services.

Unfortunately there have been significant behind the scenes issues with Optus and the NBN team and since yesterday our email service has been inoperative. Optus & the NBN team are working on the issue and have informed us that our service will be back up and running in 24 - 48 hours.

Category: Newsletters

Relocation Announcement - September 2016

Exciting things are happening at Active Financial Services and we want to share some important news with you.

A fantastic opportunity arose to move to a new premises on the ground floor of a modern building with an aim to improve the facilities, services and experience for our clients. We aim to start relocating between the 4th and the 7th of October 2016.
We hope to limit any disruption to our services however it is anticipated our telephone system may be down for a period of time at some stage during the transition week.

Category: Newsletters

Britain split from EU announcement - June 2016

The polls and bookmakers were wrong and the Brits have voted to leave the EU by what looks to be quite a decent margin under the circumstances. Panic has already set in in the markets, there’s no avoiding the significant volatility over the short term. Trying to time the market right now will be difficult and it remains to be seen what happens overnight and into next week.

Category: Newsletters

Federal Budget Update - May 2016

Federal Treasurer Scott Morrison put forward a number of proposed changes, mainly around contributions to superannuation and taxation, in his budget speech last night.
Here's a brief roundup of what the proposals could mean for you—whether you're starting out in your career, taking care of family, on the cusp of retirement or enjoying life after work.
Remember, proposals are not set in stone and could change as legislation passes through parliament.
Category: Newsletters

Seasons Greetings - December 2015

Season’s Greetings one and all.

2015 has been another eventful year, starting with Alexis Tsipras becoming prime minister of Greece only to face tough austerity demands from the EU; continuing with escalating war in Syria, now with Russia’s involvement; Earthquakes (Nepal being the biggest); Mecca Hajj stampede; significant refugee problems in Europe (there has to be a better solution), continued South China Sea tensions and more recently, the attacks in Paris (proving that no country is immune to the global threat of terror).

Category: Newsletters

Market Correction - August 2015

Global share markets fall despite sound fundamentals. All major share markets have been sold down heavily over recent days. The correction on equity markets has also been accompanied by ongoing falls in the price of commodities and emerging market currencies. Since the beginning of August, Australian shares are down 12%, with losses of 10% to 12% recorded across the United States, Europe and Japan. Chinese shares have declined 14% since the start of the month.

Category: Newsletters

Seasons Greetings - December 2013

Season’s Greetings one and all.   

Are we the only ones who blinked and another year’s gone by? We hope you and your family have had a fantastic year and for those of you who are lucky enough to get a break, we hope you enjoy the time celebrating with loved ones. From Active’s point of view, it has been an interesting year with continued changes to legislation and financial markets.

Category: Newsletters

Budget Update - May 2013

Analysts say the 2013 Budget measures contained no real surprises and few measures to excite businesses or stimulate the economy and financial markets away from current trend levels. The changes announced are unlikely to change the Reserve Bank's easing interest rate bias, the Australian dollar is expected to react negatively to the large budget deficit announced for 2013/14 and 2014/15, however, a lower dollar in itself should be positive for our export related companies and sectors such as resources.
Category: Newsletters

Median Wealth in Australia - October 2012

Earlier this month the Credit Suisse Global Wealth Report 2012 was unveiled, maintaining Australia at the top of the table for global median wealth and second only to Switzerland for average wealth.
Australia’s global median wealth, i.e. the midpoint between the richest adult to poorest was US$194,000. Compared to other countries, Australia has very few adults with a net worth less than $100,000 due to factors such as relatively low levels of credit card debt & student loan debt.
Category: Snippets

Market Update - October 2012

Global and domestic share markets have been trending upwards over the last few months and have been less in line with the G7 economic growth indictors. What this potentially shows is either investors see opportunity for greater economic activity or alternatively, investors are wrong and the market may see a small correction sometime in the future i.e. further volatility.
Category: Newsletters

Budget Update - May 2012

Active Financial Services welcomes you to the Budget Update 2012 edition. This budget has been called Visionary by some and others have complained too many promises have not been delivered. Hopefully our synopses will help you decide for yourself.
Category: Newsletters

Binding nominations - May 2012

Our office has recently noticed a number of issues relating to death benefit nominations for superannuation. It is important to know that a superannuation member is unable to include directions in their Will in relation to the distribution of superannuation benefits and may only nominate a beneficiary or legal personal representative (LPR) to receive their superannuation benefits in the event of their death.
Category: Snippets

Seasons Greetings - December 2011

Season’s Greetings one and all.

We think it is fair to say that 2011 has been a very interesting year, or is that an understatement? Think back to the significant floods across eastern Australia and disruptive cyclones across northern Australian. Coal production in mid-north Queensland was hampered over much of the year while banana production was decimated again in north Queensland. There were earthquakes in New Zealand & Japan. And it wasn’t just an earthquake in Japan, but it precipitated a tsunami and nuclear disaster.

Category: Newsletters

Market Update - March 2012

This year started on a strong note with significant increases in Australian and Global share markets (relatively speaking). However, investors could be forgiven for getting that "déjà vu all over again" feeling.
Category: Newsletters

Market Update - August 2011

Events within global markets are concerning for many investors. Despite strong overall returns in the two years to the end of April, share markets globally have fallen sharply on the back of US economic growth concerns, debt issues within the Eurozone and low market confidence in the ability of policymakers...
Category: Newsletters

Budget Update - May 2011

Active Financial Services welcomes you to the Budget Update 2011 edition. With the end of the financial year fast approaching it has been a very busy time for all the staff at Active. We have recently made some headway updating our...
Category: Newsletters

Seasons Greetings - December 2010

Season’s Greetings one and all.

Phew - what a year! For all of the team here at Active Financial Services it has been an extremely busy year.  We've introduced new computer software, and office systems and processes - which we expect will flow on to you in terms of improved reporting and services.

Category: Newsletters
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