Edney Ryan Wealth Management

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 23 2015 Key Points The Greek No vote means more uncertainty ahead regarding Greece, with significantly heightened risk of aGreek exit from the Euro. The threat of a flow on to other Eurozone countries is likely to keep markets on edge in the short... Read more

If you’ve read the news, you would already be aware that Greece’s referendum result is causing much speculation on what comes next for Greece and the Eurozone. For our clients, we would like to reassure you that we are keeping abreast of the potential impact on global markets, with your investments top-of-mind. At this stage, we do not anticipate any... Read more

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 22 2015 Key Points A “reform for funding” deal between Greece and its creditors looks likely and may now be agreed this week.  This would be positive for Eurozone assets. It would then have to pass various parliaments though. Alternatively if no deal is... Read more

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 21 2015 Key Points This note focuses on the debate around the four major “tax concessions” in Australia: negative gearing, the capital gains tax discount, dividend imputation and superannuation. Removing negative gearing for property investment and dividend imputation will only add to distortions in... Read more

By Shane Oliver, Head of Investment Strategy & Chief Economist from Oliver’s Insights, AMP Capital, Edition 18 2015 Key points In response to pressure from APRA, lenders are starting to tighten lending conditions to property investors. This is designed to slow property investor lending, particularly into the strong Sydney property market, while at the same time allowing the RBA flexibility... Read more

There were many positives in Treasurer Hockey’s second federal budget, the tone of which was a stark contrast to his grave warnings, severe spending cuts and austerity messages a year earlier. However one must question the optimistic forward growth estimates on which treasury base their calculations – I hope they are correct. We attach a paper issued by the Institute... Read more

Many retirees are living the asset-rich and cash-poor contradiction, for example living in a $2 million home in Sydney, while surviving on $400 per week from the Aged Pension. While some people will happily downsize from the family home in order to free up some cash for living expenses, this is not ideal in all cases. There is the cost... Read more

If you are over 55, you are able to access your superannuation while still working via a Transition to Retirement income stream, to reduce tax and boost your superannuation balance. This enables two options: Reduce your work hours and use your superannuation income stream to top-up your income, or Continue to work full-time, boost your superannuation balance while maintaining your... Read more

What is TPD Insurance? Total and Permanent Disability insurance pays out a lump sum in the event that you suffer a serious and significant disability that prevents you from ever working again. The leading causes of claims for TPD insurance are cancer and musculoskeletal conditions. There are two options for TPD cover; own occupation or any occupation. Own occupation cover... Read more

There has been some confusing media commentary about the recent changes to FoFA (Future of Financial Advice) reforms. Contrary to reports that the duty to act in the best interests of clients has been watered down, it does in fact remain unchanged. The six steps to achieve this are: 1. Find out why the client is seeking advice; 2. Identify... Read more