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Spencer Private Wealth

Home
Services
Pre-Retirement Planning
Managing Complexity
Helping You Adapt to Change
Our Planning Process
Investing
Insurance
Knowledge
FAQs
Our Financial Services and Credit Guide
About Us
Our Story
Our Team
Client Testimonials
Blog
Contact
Client Portal
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Blog

Karen S
19 April 2022
Australian Economy, Covid-19, The Markets, World News

2022 Q1 January Quarter Review

Karen S
19 April 2022
Australian Economy, Covid-19, The Markets, World News
  • Russian invasion of Ukraine a dominant theme.

  • Inflation continues to rise in US, leading to consumer pessimism.

  • US Fed Reserve increases interest rates, with more increases to follow.

  • RBA continues to wait and see on inflation.

  • Global sharemarkets poor in Q1.

  • Australian sharemarket resilient, while bond yields spike.


Karen S
29 March 2022
Australian Economy, Employment, Federal Budget AU

Federal Budget 2022/23

Karen S
29 March 2022
Australian Economy, Employment, Federal Budget AU
  • A forecast improvement in the government debt position.

  • A little more tax relief, for this year at least.

  • Will inflation or wage growth be the winner?

  • Superannuation minimum drawdown reduction extended.

  • A cost of living payment for social security recipients.

  • Plenty of training incentives for business.


Karen S
24 February 2022
Investing, The Markets, World News

Content, Conflict and Russia

Karen S
24 February 2022
Investing, The Markets, World News

Investing is navigating your emotions through history as it’s being written. While there have been two notable periods of pain relating to military conflict in the past forty years, there have been many other potential flashpoints that didn't escalate to the worst case scenario.

Karen S
3 February 2022
Investing, Financial Planning, The Markets, World News

The Historic Market Crash

Karen S
3 February 2022
Investing, Financial Planning, The Markets, World News

A ‘sober second opinion’ about disaster forecasts that send investors into panic.

Karen S
24 January 2022
Australian Economy, Covid-19, The Markets, World News, Investing

2021 Q4 December Quarter Review

Karen S
24 January 2022
Australian Economy, Covid-19, The Markets, World News, Investing

Many themes from Q3 flow into Q4, albeit with a new Covid variant.

  • Developed economies on track for their strongest growth in 30 years.

  • Central Banks begin moving interest rates upward.

  • House prices rocket away from wages.

  • Emerging markets see another weak quarter.

Karen S
20 December 2021
Estate Planning

What do You Want to Happen?

Karen S
20 December 2021
Estate Planning

You often hear people say this time of the year is a good time for reflection and to focus on what’s important. They’re not talking about the spending, or the gifts, or the food, but the people.

Karen S
20 December 2021
Financial Planning, Superannuation News, Retirement

How Much Do I Need to Retire?

Karen S
20 December 2021
Financial Planning, Superannuation News, Retirement

How much do you need to retire? Simple question with a complicated answer.

Karen S
22 November 2021
Australian Economy, Financial Planning, The Markets

Lessons From Transitory Inflation

Karen S
22 November 2021
Australian Economy, Financial Planning, The Markets

Australia is sitting at record low rates with supposedly transitory inflation. One of the interesting questions to ask is there any precedent of long-term low inflation spiking before dying down again?

Karen S
22 November 2021
World News, Employment, Covid-19

Covid Epiphanies and the Great Resignation

Karen S
22 November 2021
World News, Employment, Covid-19

A fascinating look at how forces unique to Covid have caused employees around the world to rethink and re-evaluate their values around work and lifestyle.

Karen S
1 November 2021
Australian Economy, The Markets, World News

2021 Q3 September Quarter Review

Karen S
1 November 2021
Australian Economy, The Markets, World News

  • Inflation begins to rise in several major economies.

  • Many central banks still suggesting they'll look through inflation.

  • What's behind "the great resignation"?

  • Developed sharemarkets mostly positive.

  • Emerging markets dragged down by China concerns.


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