Knowledge Centre


Equities can be driven higher by earnings growth or by multiple expansion – an increase in the price-earnings ratio, or multiple, of a stock or group of stocks. While there is limited prospect in 2013 that earnings growth will supply a strong catalyst to equities, there is a strong chance that equities will be re-rated in 2013 contingent on progress being made on some key issues.


With the start of a new calendar year it is appropriate to consider what the year may bring you. Take the time to review your current situation and consider whether a review of your estate planning strategy is appropriate.

As a starting point, consider the following:


At this time of year many of us are thinking about getting the kids ready to head back to school, or making a start on New Year’s resolutions to kick the year off on the right track.

One resolution that could make a real difference this year is to review your finances with the help of a financial adviser.


Once again US Congress reached a deal at the last minute to avoid imminent disaster. However, the deal provides nothing more than short-term breathing space.

The US House of Representatives passed a Senate Budget bill which permanently extends the ‘Bush tax cuts’ for most taxpayers, except for the wealthiest.

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In recent months, a slowdown in China’s economic growth has seen the price of Australia’s leading export, iron ore, slip to a three-year low, sparking comments by Resources Minister, Martin Fergus, that the great Australia mining boom is over. But is the mining boom really over and, if so, what does this mean for the Australian economy?


There has been a lot of talk in the media about the US economy and the so called ‘fiscal cliff’ they are about to face. So, what is the fiscal cliff? Basically, it is the term used to describe the challenge that the US Government will face at the end of 2012, when the terms of the Budget Control Act of 2011 are scheduled to go into effect.


Having life insurance is an important financial safeguard for our family and loved-ones if the unexpected occurs.  While discussing life insurance can be a sensitive topic, without some planning for the unexpected it could be incredibly difficult for many families to maintain their current standard of living.


While we have seen some good news in recent months, overall 2012 has been an uncertain year for the global economy. Returns have been low across all asset classes, markets remain volatile and there is still uncertainty over what will happen in both the US and the Europe.