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Cipher May 2020 1041 448 Clare Sanderson

Cipher May 2020

While the office is starting to slowly come back into it’s own we have, like many been working remotely during the pandemic crisis.  We thought we’d share with you a review of the team connecting…

Insights – The Lucky Country 1631 584 Clare Sanderson

Insights – The Lucky Country

This article made me glad to say that I do in fact live in The Lucky Country.  I definitely call myself an Australian after living here for well over half my life, my accent however…

Insights – The Magic Money Tree 1631 584 Clare Sanderson

Insights – The Magic Money Tree

Dr Shane Oliver gives his Insights into what’s happening with the massive fiscal stimulus that we are witnessing globally.  The Central bank is supporting the flow of money and credit so that it assists with…

Insights – Signposts that we can watch for 1631 584 Clare Sanderson

Insights – Signposts that we can watch for

While the sharemarket has plunged by roughly 35% from the February high March saw the market rally from 15-20% but does this mean that we have hit the bottom of the bear market.  Only time…

Coronavirus Q&A 1631 584 Clare Sanderson

Coronavirus Q&A

Every active fund manager and equity research house that we use is working overtime to consider and act on measures to protect portfolios and add value. They are also in constant contact with us providing…

Update on Life Behind Closed Doors 1008 756 Clare Sanderson

Update on Life Behind Closed Doors

We closed the office to the public on Tuesday and most of the staff are now working from home.  Fortunately for our business this is minimally disruptive as our entire client and portfolio management framework…

Insights – Five Charts on Investing to Keep in Mind 1631 584 Clare Sanderson

Insights – Five Charts on Investing to Keep in Mind

These five charts focus on critical aspects of investing that are insightful in times of market stress: the power of compound interest; don’t get blown off by cyclical swings; the roller coaster of investor emotion;…

Insights – Coronavirus Update: What to Watch and What Should Investors Do 1631 584 Clare Sanderson

Insights – Coronavirus Update: What to Watch and What Should Investors Do

Key things for investors to bear in mind remain that: share market falls are normal; selling shares after a fall locks in a loss; share pullbacks provide opportunities; and to avoid getting thrown off a…

Insights – The Increasing Spread of Coronavirus 1631 584 Clare Sanderson

Insights – The Increasing Spread of Coronavirus

What we are seeing right now is a global contraction in earnings as a result of containment measures as a response to the Covid 19 virus outbreak.  Whilst this is disruptive to short term earnings,…

Cipher February 2020 Newsetter 1627 908 Clare Sanderson

Cipher February 2020 Newsetter

This quarter cipher looks at getting our finances in order whether that’s spending now or saving for retirement.  It’s often about setting realistic goals in order to achieve.

February 2020 Market Update 1500 362 Clare Sanderson

February 2020 Market Update

Market update The table below provides details of the movement in average investment returns from various asset classes for the period up to 31 January 2020. Asset class (% change) 1 month 3 months 1 year…

Cipher August 2018 Newsletter 1590 913 Clare Sanderson

Cipher August 2018 Newsletter

Australians are prioritising their goals and also looking at lessons learned from the blue zone for a long life.  One interesting question we are asked is should we lend money to family?  Cipher discusses these…