investment strategies

mezza56 · Senior Member

investment strategies

goldfinger · Senior Member

I heard a castrated pig is also disgruntled...I feel for you, however talking about Investment Strategies to most of us Grey Nomads, is akin to talking about Turkey Dinners to Biafrans...we're likely headed for negative deposit interest rates like the rest of the developed World...first time in years Housing Loan Rates are less for long term fixed...which suggest Banks think low rates are here to stay....Depositors/savers don't count any more only Housing Investors and they must be protected at all costs by the RBA....folk borrowing against their supposed increased Housing Equity and buying useless stuff is what keeps 'stimulating' the Australian Economy...Gerry Harvey and Co love the Housing Ponzi in Australia...no settling day...or will there be?.....Hoo Roo

brickies · Guru

The higher the return the higher the risk , Best to find someone who has been with a firm for some years a see what there outcome was , I have been with Shardforth for some years and happy with outcome , Don't be in a hurry and be careful of the banks investment funds .

JayDee · Guru

My view is fully franked dividends from some of our big blue chip companies. there is around 5% return on offer with franking credits.
But B E W A R E because today's share price will not be tomorrow's of the investment dollars.rice. Soooo you could see a depreciation of your investment dollars, or conversely you may see a good growth.
Bear this in mind.
There is not a single person on the earth than can tell you what tomorrows price will be.
It is all about your own risk factor.

You know I often sit back and ponder.

IF only I had bought XYZ company I could be a rich man today.
But there it is..... that tiny weeny word. IF.
Jay&Dee

mezza56 · Senior Member

In later years most people wud sit back and reflect on The "if" factor . But I'm not interested in waters crossed only in the future, pensions disappearing , not keeping up with cpi , my beef is that the govt think they are protecting ma n pa from Investment schemes , yet they allow people to gamble on the plethora of websites , pokie venues etc , whats the diff?

Desert Dweller · Senior Member

We're not greedy, 2-3% will do us fine until rates gradually start rising again which inevitably they will do in the future. Read the financial pages regularly they're full of ''smart arse'' schemes & retired folks broken dreams.

DeBe · Guru

mezza56 wrote:
In later years most people wud sit back and reflect on The "if" factor . But I'm not interested in waters crossed only in the future, pensions disappearing , not keeping up with cpi , my beef is that the govt think they are protecting ma n pa from Investment schemes , yet they allow people to gamble on the plethora of websites , pokie venues etc , whats the diff?

I gues the diference in investments & Pokies, is the Govt is guaranteed a return from the Pokies & not failed investments.

Aus-Kiwi · Guru

Best talk to your accountant . I don't like personal invester agents . You and your accountant know your situation ., I went bricks and mortar 15 years ago . Rolled over my super . Which is paying me 7.5% . It earns more than that .

PeterD · Guru

One good source of investment advice is Centrelink. They have investment advisors. They do not have an axe to grind, they are not connected with any investment providers. The advice is free and you only have to use it as a guide, you are not bound by it.

A few links for you:

Financial Care Services

Age Pension and planning your retirement

Financial Information Service

You don't have to be a pensioner to access these services. They are also the best source for the best way to set yourself up for the day you are eligible for your OAP (old age pension.)

dogbox · Guru

Aus-Kiwi wrote:

Best talk to your accountant . I don't like personal invester agents . You and your accountant know your situation ., I went bricks and mortar 15 years ago . Rolled over my super . Which is paying me 7.5% . It earns more than that .

unless your accountant is licensed to give finical advice he can only recommend a financial adviser

brickies · Guru

You are so right dogbox

Aus-Kiwi · Guru

Yes i did with my accountant . Your right in some being affiliated. I run my own investment as said . Set it up correct with his help . All is fine . Still the final decision is up to YOU !! Can't get enough advice . Everyone has an opinion .. Mainly the guys at pub, club and TAB .. Lol

dirvine · Senior Member

One of my big beefs is with super funds. If I envest in a shares only strategy, my investment falls in value and as a result so does my "interest/ investment return. Yet my own share portfolio whislt it has deceased in overall value, the dividend (lets call that interest) is increasing! Go figure that. I dont care what the investment is but if the dividends keep increasing each year why cant super funds do the same. Some one is making money at my expense. Hence I now have closed my pension fund and started my own. And guess what, it has more money in it at the end of the year than it did at the start. Sure its value is down but the cash return is up. So I reinvest that and get even more dividends. Super funds are just plain stupid computer programs that react to "triggers" that have no real basis or understanding if when to hold, when to fold, when to invest. I say do it yourself. It aint that hard.