Edition No. 14 | 01 October 2014

BFS Insights - Spring 2014

Just as we all started getting comfortable with investment markets running along nicely, along comes a little volatility to remind investors that markets don't keep rising without the occassional hiccup. With the Australian share market now having given up most of its gains from earlier this year, the positive is that shares are no longer considered to be as expensive as they were only a few weeks ago. Of course, those holding unhedged global equities continue to benefit from the falling Australian dollar, which is one of the great benefits of holding a diversified portfolio.

In the next couple of weeks we will be sending out invitations for this years client function, which will be held on Monday evening 8 December at the Royal South Yarra Tennis Club. Unfortunately Tim Costello became unavailable for our original November date, thus the reason for our chanage of date and venue.

Please find attached to this quarters newsletter a selection of articles which we trust you will enjoy reading. Of course, feel free to forward this newsletter to any friends or family you think might be interested in reading any of the attached articles.

Five ways to avoid sea or tree change disaster

The reality of a sea or tree change can be quite different from the fantasy of walking on the beach or sitting on the verandah, gazing at rolling hills. If you’re thinking about doing a sea or tree change, here are five important things to do before you start packing...

Three things empty nesters should do before retirement

Your children have left home, leaving you with time on your hands to do the things you’ve always dreamt of doing. But first of all, here are three things you need to take care of.

Still paying for insurance? Make sure it’s right for you

Your work life has come to an end, so it’s time to let go of the things you don’t need any more. You’ve probably ditched the work clothes and the briefcase and said goodbye to the 9 to 5 routine. But should you let go of your personal insurance too?

September Economic Update

In this video, Brian Parker, Head of Portfolio Specialists Group at MLC reviews events in markets during August.

He discusses:

how global share markets have continued to deliver decent returns, despite the uncertain geopolitical environment
why the actions of central banks continue to be a key factor driving markets
whether improvements in Australia’s non-mining economy can offset the decline in mining investment and falling prices for key resource exports
how MLC’s multi-asset portfolios are positioned.

To find out more:

Download the 2 page September economic update.

September economic update - Watch the video

ThreeSixty Research Market Update September 2014

Highlights

Heightened geopolitical tensions in Ukraine and the Middle East continue to dominate global equit markets.
Economic growth in the US remains string, with Q2 GDP revised upwards from 4.0% to 4.2%.
European data remains weak, particularly impacted by the Ukraine crisis.
A slowdown in Chinese economic growth in Q2 as a result of a weaker performing property sector.
Modest improvement in Australia consumer and business confidence and credit growth.

In this edition

	Five ways to avoid sea or tree change disaster
	Three things empty nesters should do before retirement
	Still paying for insurance? Make sure it’s right for you
	September Economic Update
	ThreeSixty Research Market Update September 2014

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Julian Battistella, Cameron Blackwell and Battistella Financial Services Pty Ltd are Authorised Representatives of GWM Adviser Services Limited ABN 96 002 071 749, trading as Garvan Financial Planning an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.