Continuum Financial Planners Pty Ltd

02/09/2024

Sourcing funds to invest

For those of us who understand that we need to invest some of our ‘hard earned’ to generate some passive income, it isn’t always easy to find the money to do that.

If there are a couple of lessons to take into account in this journey, they could be summarised as –
• Have a plan – remember: failing to plan is tantamount to planning to fail!
• Be disciplined, but above all
• Be patient.

Financial well-being prepares us for a confident future. The disciplines learned equip us to mentally and physically deal with challenges that inevitably arise.

In our article ‘Sourcing funds to invest’ we look at some of the traps we can fall into that prevent our plan being implemented. But we also talk about how to deal with those distractions. Most importantly, we highlight some of the sources of funds that we need to be alert to so that opportunity doesn’t pass us by.

If these are matters of interest to you and your family, Read More here – https://continuumfp.com.au/sourcing-funds-to-invest/

02/09/2024

Investment Success Contributor – Taxation:

In these difficult times that are preventing young families from participating in the Australian Dream of home ownership – and even more disturbingly making it almost impossible in some markets for families to find stable, long-term rental accommodation at an affordable price, talking about taxation strategies in property investment may seem cynical.

This is in no way the intention of this post, but the taxation benefits of negative gearing and the CGT system in this asset class are legitimate, legal and not to be ignored.

These two taxation benefits tend to come under extreme scrutiny around the time of elections over the past couple of decades – and they are featuring in media commentary more consistently these days.

There are economic arguments that favour the continuation of these benefits – and further economic arguments that suggest there are better ways to make first home ownership more affordable, and stable, long-term rental more available.

These economic arguments feature in our article ‘Investment Success Contributor – taxation’ and we also deal with the benefits that come with using these strategies when investing in property (residential or commercial).

To consider your position further regarding these strategies, or to add to your knowledge of the topic to deal with the discussion when it arises, Read More here: https://continuumfp.com.au/investment-success-contributor-taxation-2/

20/08/2024

Business Succession planning involves strategies that will provide for seamless continuation of a business beyond the tenure of existing owner/s.
It involves the creation of a succession plan that should embrace the range of possibilities that might have a contrary effect. The possibilities include death of an owner (or co-owner), disabling injury or illness they might suffer, or more happily, their ultimate retirement.
Aligned with our work in guiding clients with their crucial work in Estate Planning, is our service with business owners with Succession Planning. Whilst the two services are similar, there is a recognisable difference in the outcome.
Estate Planning culminates with the termination of an estate (pool of assets) being broken up and distributed to various beneficiaries. The intent of business succession planning is for the continuation of the business with its operational assets retained.
Our website Articles Page includes a number of articles related to this topic: a good starting point is the article Business Succession strategies (at https://continuumfp.com.au/business-succession-strategies/).

14/08/2024

Market Volatility influences investment activity.
There are many interesting reactions to market volatility. The more extreme the volatility, the greater the reaction to it. Reactions of course, vary from making reactive calls, to fluctuations of anxiety levels.
For some, high levels of volatility are seen as a risk to their wealth: others seize it as opportunity.
In our recently refreshed article “Market volatility influences Investment activity” we explore some of these reactions. We also hope to settle nerves, encouraging adherence to strategic wealth management in all market situations.
That market volatility influences market activity, is evidenced by market participant engagement during different cycles. We know that that markets are driven by several factors, including: supply, demand, liquidity and price.
Understanding why market participants engage as they do, isn’t sufficient to guide and gauge our own market moves.
READ MORE at https://continuumfp.com.au/market-volatility-influence/

01/08/2024

Retirement contentment...a goal for most.

Many retirees and those approaching retirement aim for financial independence during that phase of their lives. That is, they don’t want to be dependent on social welfare at that time.

The reality for many is that not only do they have some dependence on the government support available, they realise the advantage of accepting that support.

We recently posted an article to our website Library, in which we address the financial issues to be considered when approaching the issue of retirement.

The reality for most of us is that we fail to pay attention to retirement planning until quite late. This is often to our peril. Our article concludes with the reminder that ‘the earlier you start implementing a plan, the easier it is to achieve goals’.

Our website library contains a number of articles that are helpful in understanding some of the issues raised - and they are linked in the article for your convenience.

If provision for Health costs, Financial adequacy, geographical considerations and Aged Care provision, are issues you contemplate as you consider what's ahead for retirement we invite you to READ MORE at https://continuumfp.com.au/retirement-contentment/

29/07/2024

Wealth Management mistakes callout -

It has been said that the path to regret is paved with good intention.

It is often the case that disappointment and misfortune has been sourced from a lack of knowledge and experience, resulting in avoidable mistakes being made.

Investing and wealth management are complex tasks. They require particular skills and are wrought with many 'opportunities’ for mistakes to be made. Whilst such mistakes are unfortunate, they may well be avoidable! Other than for those highly literate in the investment world, this is an area where mistakes are not recognised in time and may have profound, long-term consequences.

We recently posted an article in which we expose a number of common mistakes, ones that may not be readily recognised by the inexperienced.

- We talk about the effects of making the mistakes.
- We refer to some ways to avoid the mistakes – and
- We unashamedly affirm the skills and experience our Team can bring to you to assist in your wealth management journey.

Whilst many of our clients are engaged with their investments under our guidance, there are many who having established an investment portfolio, are missing the opportunity to minimize some of these mistakes. We trust that a read of them will encourage you to become more engaged with your portfolio.

To READ MORE, go to this link - https://continuumfp.com.au/wealth-management-mistakes-callout/

06/06/2024

Investing in market themes can be rewarding, is not new, and can be difficult to ‘get into’ at times. But don’t be distressed with a FOMO1 event: alongside thematics are complementary investments that can be equally rewarding.
There are a few major investment themes working through the markets at the present time. No doubt you will have heard of them but are you confident you are invested in them?
(1 FOMO, is the ‘Fear of Missing Out’)
Whilst AI has recently come into prominence, it has been known under previous iterations for some years. You will be familiar with the terms ‘machine learning’, cloud storage, and ‘data analytics’. These processes were steps along the way to the development of ‘artificial intelligence’.
In the early stages of new market darlings, volatility is often a deterrent for strategic investors. Bitcoin has been quite extreme on that front, but it is not the only ‘token’ traded as crypto-currency. However, it is a prominent survivor and may be with us for some time to come.
For more information about theme investing in markets and how to identify them…
https://continuumfp.com.au/investing-in-market-themes/

01/11/2023

Qld TMR has released the eLicence app today - and whilst heavy demand has out signup/ setup under pressure, I managed it all within about 10 minutes.
one less piece of plastic to carry around!

16/10/2023

With all the recent alerts and alarms regarding cyber security issues (and consequent financial loss) it is timely to consider the emerging technology - that for individuals using it, is less memory intensive. Looking forward to the ongoing contribution to this technology - and access to it, through Dashlane.

The Atlantic recently featured Dashlane CEO John Bennett and his thoughts on evolving from passwords to a solution.

Read the article here: https://bit.ly/3rxy918