The cycle of market emotions

The ‘Cycle of Market Emotions’ is one of the most important road-maps for investors as share prices move through periods of boom and bust, of rise and fall, and of calm and volatility. The curving line represents the cycle of actual share prices and the...

The New Age cashless, low debt Aussie consumer

Consumers are saying no to debt. The average credit card limit grew by just 0.7 per cent over the past year – the slowest growth on record (17 years). Credit card balances are stagnant. The average credit card balance fell by $87.30 to $3262.50 in January as...

Petrol Prices hits four-month high

Petrol prices are up. As predicted by CommSec, the national average retail petrol price rose by 3.1 cents to 146 cents a litre in the past week – the highest since late October 2011. The ending of the discounting cycle in Melbourne and Adelaide served to push the...

RBA has not ruled our further rate cuts…..

The Reserve Bank has not ruled out further interest rate cuts. Near-term growth and inflation forecast have been downgraded, albeit mildly while the central bank remains optimistic about the longer-term prospects for the domestic economy. The RBA has warned that risks...

Should I sell or switch my Super investments?

It is important to remember that market volatility is normal and you should not be deterred from your long-term investment strategy. There are a number of principles to consider: Remember your investment timeframe. You need to strike a balance between the level of...

A history of super

Australia’s compulsory superannuation system dates back to the introduction of the Superannuation Guarantee by the Keating government in 1992. However, the origins of super can be traced back to the late 19th century. Superannuation time line Late 1800 A limited...