Michael Hayward - Certified Financial Planner Professional

13/08/2021

Capital Partners aim for Sustainability in Private Ownership WA’s largest privately-owned wealth management firm Capital Partners Private Wealth has taken another step towards securing its long-term business sustainability by welcoming Damon Sugden as a new Principal and shareholder of the group. ...

28/02/2021

When parts of the market appear to be going crazy, some investors succumb to fear of missing out, or FOMO for short. Greed, envy and regret are common emotions at these times. It’s good to have an advisor to help steer you through those feelings. But there are also some things you can tell yourself. Here are 12 of them.

12 Things I Remind Myself When Markets Go Crazy Posted February 18, 2021 by Ben Carlson There has never been a better time to be an individual investor than right now. And things are only going to get better from here. You can invest in almost anything these days with the click of a button — stock...

11/02/2021

Cybercrime rose sharply in 2020, as more people worked, shopped and socialised online due to the COVID-19 pandemic. Anyone can be a target, so it’s essential to be proactive when it comes to protecting your finances and identity online.

19/01/2021

As you would expect, over the long-term stocks have outperformed bonds which have outperformed cash. In this article, Ben Carlson provides some insight around risks and returns associated with these asset classes over the last 93 years and really, highlights the importance of both a diversified portfolio and taking a long-term approach to investing.

Stock, Bond & Cash Returns: 1928-2020 Posted January 17, 2021 by Ben Carlson Historical market data can’t help you predict the future but I still find it useful as a way to understand the potential risks and rewards you can see as an investor. One of my favorite free sources of historical returns ...

17/12/2020

20/11/2020

2020 has been a year of many ‘firsts’ – the first global pandemic in 100 years; the first US president to refuse a concession among others. One other ‘first’ for Australian investors is the prospect of negative interest rates and this article discusses some of the issues and implications we will need to think about. Luke Sheather explains.

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20/11/2020

We have been intentionally restrained in our commentary around the US Presidential election, in part because we don't get to vote, but also because it is hard to fathom the degree of division and antipathy in the US right now. David Andrew explains.

We can not underestimate the impact this Covid-19 spike will have on US society, their economy and confidence

02/11/2020

Keeping up with the news is important as a citizen and a consumer, particularly in a year like this one. But using news to trade financial markets is not such a good idea. Markets will do what they do, which means your best bet is to focus on all the things you can control, as former financial journalist Jim Parker explains.

The global pandemic wrought by COVID-19 has created great uncertainty among policymakers, investors, workers and consumers, but it’s worth noting that its repercussions on the economy and the share market have not been all in one direction.

12/10/2020

One obstacle to decision-making is the expectation of a “perfect” choice. We all know that such a beast does not exist and that there are always trade-offs involved. So instead of researching an ever-increasing number of options, why not settle on the one that is “good enough” for your goals? Carl Richards explains.

With a surfeit of investment choices, it may be better to choose an option that’s good enough, rather than keep looking for perfection.

06/10/2020

While partisans inevitably will declare their leader is better for the stock market, there is no evidence of a pattern in returns. We can take an interest in elections as global citizens, but there are just too many moving parts to use these events as an investment guide—which is why sticking to your own plan is your better bet.

As much as we are drawn to tidy narratives, it is the economy that determines market performance far more than the occupant of the White House.

24/09/2020

Since markets constantly react to economic expectations, stock returns can be positive even during a recession. This exhibit shows the power of markets through a century of US recessions.

17/09/2020

How recessions impact share market portfolios. A good reminder to remain disciplined and focus on the long-term benefits of investing.

Australia has frequently managed to avoid recessions impact during many of the global shocks. However, Australia now finds itself in one.