Winter has arrived, and we're on the home stretch now towards the end of the financial year.

Our article on dollar cost averaging is a reminder about "time in the market" not "timing the market" when it comes to investing. If you are a business owner, then our article on estate planning is a must-read. We have also included a practical to-list to help you sort out your finances in the early days of a divorce or separation.

Our article on volatility provides 10 key messages to help investors steer their portfolios through volatile times. And, set the tone for a productive, happy day with some healthy morning habits.

To arrange a review or to speak to one of our team, please contact this office on 02 4342 1888 or peter@clientcomm.com.au.

Regards,

Your Team

Dollar-cost averaging: An investor's emotional circuit breaker

The latest bout of higher sharemarket volatility reinforces the potential benefits of a disciplined investment strategy called dollar-cost averaging. It can act as an investor’s emotional circuit breaker and a means to progressively create long-term wealth.

Estate planning for business owners

Make sure your assets and money goes towards your loved ones. Business owners can learn to plan for their death and estate planning.

Feeling lost after divorce or separation? This practical to-do list will help you on where to begin.

Volatility: An investor survival guide

Financial markets can be subject to periods of event-related volatility during which investor confidence can be significantly undermined. Here, we provide 10 key messages to help investors steer their portfolios through volatile times.

My alarm is set to the song "Happy" by Pharrell Williams. It’s impossible to not smile when this song plays. This, combined with the other habits below, set the tone for a productive, happy and healthy day.

The financial year to 30 June 2018 was another favourable one for investors with all major asset classes delivering positive returns.

However, market conditions were less favourable in the second half of the financial year due to rising global trade tensions after the Trump administration imposed tariffs on a range of products and explicitly targeted Chinese imports.

Take a visual tour of markets during the 2017-2018 financial year - a good year for investors despite rising trade tensions.

View full infographic for 2017 - 2018 financial year review >>

ThreeSixty Research Market Update - August 2018

Highlights:

US economic growth shot to an annualised 4.1% in the June quarter but the market is questioning whether this is sustainable.
The impact of US and Chinese tariffs has been noticeable in Asian export growth but US manufacturing activity is yet to be hit hard.
In Australia, the RBA continues to keep rates on hold with tighter credit conditions and lower house prices constraining the household sector.
Japan’s economy likely returned to growth in the June quarter, with wage growth helping to alleviate deflationary pressures.
The UK is heading towards a ‘hard’ Brexit, with the EU rejecting Prime Minister May’s proposed customs plan.

If you have any questions regarding this report or would like to discuss your portfolio, please contact me directly on 02 4342 1888

Read full August 2018 market update report >>

<Adviser Name(s)>, <Name of company if Corporate Authorised Representative, Pty. Ltd. if applicable, otherwise name of individual> <trading as, if applicable> is an/are Authorised Representative(s) 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.

PO Box 3130, Umina Beach , NSW 2257
02 4342 1888

Unsubscribe