Edition No. 26 | 01 October 2017

BFS insights Spring newsletter

Welcome to the Spring edition of our quarterly newsletter - BFS insights.

With the cold weather largely behind us and Richmond having finally won their long overdue AFL Premiership, we can now start readying ourselves for the mayhem surrounding the many events scheduled across Australia over the next few months...... horseracing, golf, tennis, food and wine.....the list goes on!

Investment markets have picked up after a quiet start to the financial year, which comes as a bit of a surprise considering all the doomsdayers regularly forecasting tough times ahead. Fingers crossed the inevitible downturn is not just waiting around the corner ready to pounce. No doubt, global interest rate movements will decide such fate. Something Australia cannot control unfortunately.

We trust you will enjoy our selection of articles below, and should you have any questions regarding these articles or any aspect of your affairs, please contact us to discuss.

Enjoy the lead up to Christmas!

Best Wishes.

Battistella Financial Services

I want a retirement investment plan – where do I start?

Many Australians don’t have to think twice about saving for retirement because their employer regularly contributes on their behalf. These savings then have decades to grow and years to ride out the ups and downs of the share market.

Salary sacrificing super

Salary sacrifice is an arrangement with your employer to forego part of your salary or wages in return for your employer providing benefits of a similar value.

Looking after your finances when looking after others

Looking after ageing parents or unwell family members and friends can be very emotional and stressful. Your day to day routine could change dramatically. It's important to look after yourself and keep an eye on your finances.

Online retirement village cost calculator – the first of its kind

Macquarie University in New South Wales has just released an easy to use online retirement village calculator to assist with the challenges and comparing of costs associated with making the move into retirement living.

Sharing financial wisdom between the generations

Money know-how can come from anyone, young or old. When it comes to financial wisdom, author and speaker Kylie Travers and actor and singer Charmaine Bingwa have taken their lead from the previous generation.

ThreeSixty Research Market Update - September 2017

Highlights:

Economic data released over the past month has continued to paint a relatively good picture of global growth with most of the major economies experiencing accelerating economic growth in the June quarter.
Geopolitical tensions remained heightened in August and this helped drive down bond yields.
Political gridlock in the United States increased nervousness about a potential government shutdown.
Strong earnings reports from companies in the United States and Europe were largely ignored and global equity markets were essentially flat over the month.
Australian GDP growth rebounded in the June quarter after the weather affected softer March quarter.
Australia’s earnings reporting season was a touch disappointing with a higher than average number of companies missing earnings projections and many companies lowering their guidance for the year ahead.

If you have any questions regarding this report or would like to discuss your portfolio, please contact me directly on 03 9832 0768

Read full September market update report >>

In this edition

	I want a retirement investment plan – where do I start?
	Salary sacrificing super
	Looking after your finances when looking after others
	Online retirement village cost calculator – the first of its kind
	Sharing financial wisdom between the generations
	ThreeSixty Research Market Update - September 2017

Contact us

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03 9832 0768
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Battistella Financial Services
Address
Toorak Business Centre
Suite 217, 19 Milton Parade
Malvern VIC 3144

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.