SRS Advice | Strategic Retirement Solutions

Five charts on investing to keep in mind in rough times

Posted at 16 May 2023 in General Interest by Strategic Retirement Solutions

Key points Successful investing can be really difficult in times like now with immense uncertainty around inflation, interest rates, issues in global banks and recession risks impacting the outlook for investment markets. This makes it all the more important to stay focused on the basic...

The opportunities in energy transition

Posted at 16 May 2023 in General Interest by Strategic Retirement Solutions

After the wild ride experienced by investors in 2022, Perpetual's Deputy Head of Equities, Anthony Aboud is seeing opportunities in high quality companies which have traditionally been classified as growth stocks. He also notes the decarbonisation trend as a key investment thesis for 2023 and...

Where is the Recession?

Posted at 16 May 2023 in General Interest by Strategic Retirement Solutions

Key points A progress report on inflation: Inflation appears to have peaked, led by improvements in core goods prices and rate sensitive sectors like housing. The policy focus has shifted to labour market normalisation where early signs of progress are emerging. Is a soft landing...

Credit risk in focus amid bank tumult

Posted at 16 May 2023 in General Interest by Strategic Retirement Solutions

Key views Tightening financial conditions and a return of credit risk have reinforced our risk-off stance. The Credit Suisse deal highlights policymaker actions are negative for bank shareholders and some bondholders. We stay underweight most equities, cut credit to neutral, and prefer short term government...

What to do when your fixed rate home loan term is ending

Posted at 16 May 2023 in General Interest by Strategic Retirement Solutions

Many Australians were fortunate to lock in record low interest rates but this may be drawing to an end. A large portion of mortgages will be approaching the end of their fixed term, leaving many households paying two to three times their current fixed rate. In this...

US banks, inflation, interest rates and recession risk – what it means for investors

Posted at 18 Mar 2023 in General Interest by Strategic Retirement Solutions

Key points US regional bank failures have added to uncertainty about the investment outlook flowing from inflation and rate hikes. Specific issues with the failed banks and action to protect depositors may limit broader problems for US banks. The wider risks are high and its...

Why investing for retirement is different

Posted at 19 Feb 2023 in General Interest by Strategic Retirement Solutions

When you’re still employed and earning a salary, there’s money coming in you can rely on. In retirement, in the absence of a regular salary you’ll need to find a new way to secure enough income to cover your living costs. Investing your money is one...

What are asset portfolios?

Posted at 19 Feb 2023 in General Interest by Strategic Retirement Solutions

Building your wealth for the long term starts with a sound investment strategy; but with so many options outside your superannuation fund, from bonds to managed funds, where should you begin? Understand your risk profile and timeframe Almost every type of investment comes with some level of...

Ways to expand SMSF investment horizons

Posted at 19 Feb 2023 in General Interest by Strategic Retirement Solutions

The mix of investments that is right for an SMSF will depend on very personal factors, including SMSF members’ age, lifestyle, attitude to risk and personal goals. And it’s not a case of set and forget – SMSF trustees’ approach to SMSF investing may need to...

Investing in investment bonds

Posted at 19 Feb 2023 in General Interest, Technical Updates by Strategic Retirement Solutions

Investment bonds are long term investments that may offer tax efficiency to investors on a high marginal tax rate and those investing for children or grandchildren. Unlike traditional investment products, such as managed funds, bonds are a 'tax paid' investment. This means that tax on investment...