Business

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 28 2016 Key points The mostly gloomy debate around the Australian economy often gives the impression we are in a constant state of crisis. But economic growth is pretty good, the economy has rebalanced without the (“inevitable”) recession, the worst of the mining bust... Read more

As part of the NSW Government’s Jobs Action Plan, eligible NSW businesses can receive a payroll tax rebate when they employ new workers. This scheme has been in place for some time, however has recently been amended to increase the total rebate available from $4000 to $6000. Employers must be registered as an employer and paying payroll tax in NSW.... Read more

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 26 2016 Key points Low and falling investment yields from most major asset classes point to a constrained medium term return outlook. For a diversified mix of assets, this has now fallen to around 6.9% on our projections. For investors the key is to:... Read more

There is currently a very competitive small business variable rate available until August 2016. Variable rate 4.49%* Loans up to $1 million Minimum application requirements apply Residential or commercial security Establishment fee of just $800 without ongoing fees. For more information give me a call on (02) 9908 9888. *Rates and fees are indicative only and subject to change without... Read more

Stamp duty has been a significant barrier to business owners wanting to restructure their business assets. There were many instances where the costs of transferring from one business entity into another (e.g. from a sole trader or partnership to a trust or company structure) were prohibitive because of the amount of stamp duty that was involved. From 1 July eligible... Read more

Starting a new business, or expanding an existing one usually requires significant funds. Securing a bank loan to enable cash flow is one option, however in our experience the banks are so risk averse that their requirements for real estate security to cover their exposure can make this option unpalatable. Consequently business owners often fund start-ups using their personal financial... Read more

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 21 2016 Key points The vote by Britain to leave the European Union poses risks for UK, European and global financial and economic stability that may linger for a while. However, it needs to be kept in perspective and is unlikely to plunge the... Read more

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 19 2016 Key points The success of Trump and Sanders in the US, the close Brexit vote and the Australian Federal Election campaign suggest median voters have shifted to the left and support for economic rationalist policies has fallen. The risk is that a... Read more

There is now a new loan product available for commercial funding under $1 million. Previously commercial loans had a higher interest rate than residential loans, were limited to a Loan to Value Ratio of 60-70% and the loan term was typically 10 years, making monthly repayments high. In contrast, new commercial lending has a loan rate on par with residential... Read more

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 41 2015 Key points: 2015 has been a messy year for investors as worries about China, emerging countries and the Fed caused volatility and uneven returns across asset classes. Australian shares continued to underperform. 2016 is likely to see continued okay but uneven global... Read more