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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
2 February 2023
Australian Economy, Financial Planning, Investing, The Markets, World News

2022 Q4 December Quarter Review

Karen S
2 February 2023
Australian Economy, Financial Planning, Investing, The Markets, World News

  • Inflation still a factor, but starting to ease. 

  • Energy crisis so far averted in Europe.

  • Sharemarkets largely positive in Q4.

  • Bond markets more subdued.

  • Australian real estate seeing consistent declines.

  • What use are quarterly updates?

Karen S
17 December 2022
Australian Economy, Financial Planning, Investing, Superannuation News, The Markets

Volatility Laundering

Karen S
17 December 2022
Australian Economy, Financial Planning, Investing, Superannuation News, The Markets

Despite the link between risk and return, investors continue to hunt the mythical low risk/high return asset, generally in private markets. Here the volatility is disguised by infrequent valuations.

Karen S
17 December 2022
Australian Economy, Financial Planning, Investing, Superannuation News, The Markets

Chasing Returns and Expected Returns

Karen S
17 December 2022
Australian Economy, Financial Planning, Investing, Superannuation News, The Markets

Linking survivorship and investing isn’t always a bad thing. Applying the lessons of survivorship to more feasible goals offer investors a greater chance of being successful, without the need to chase returns.

Karen S
23 November 2022
Australian Economy, Financial Planning, Investing, The Markets

There is No Portfolio for Existential Risk

Karen S
23 November 2022
Australian Economy, Financial Planning, Investing, The Markets

Invest for a future that’s been like the past. Never short of challenges, but one that’s always offered an ongoing path of progression and improvements to our lives.

Karen S
19 October 2022
Australian Economy, Financial Planning, The Markets, World News

2022 Q3 September Quarter Review

Karen S
19 October 2022
Australian Economy, Financial Planning, The Markets, World News
  • Central banks resolve to dampen inflation.

  • Energy related inflation crisis potentially ahead in UK.

  • Australian market notches a gain.

  • Falling Australian dollar keeps global market returns positive.

  • The value of value in an inflationary environment.

Karen S
6 October 2022
Australian Economy, Financial Planning, Investing, The Markets

What Port in a Storm?

Karen S
6 October 2022
Australian Economy, Financial Planning, Investing, The Markets

In times like this, there are a handful of options, but they eventually circle back to basically two choices or outcomes. Fear often determines which choice will be taken.

Karen S
11 August 2022
Financial Planning, Investing

Horrific Burns from Celsius

Karen S
11 August 2022
Financial Planning, Investing

On the 24th of April 1854, the Bella was found capsized off the coast of Brazil. It had set sail from Rio De Janeiro for Jamaica four days earlier. What took place several years later, surprisingly, is not too dissimilar from the leaps of faith some have taken with their money in recent times with Cryptocurrency.

Karen S
11 July 2022
Australian Economy, Financial Planning, Investing, The Markets, World News

2022 Q2 June Quarter Review

Karen S
11 July 2022
Australian Economy, Financial Planning, Investing, The Markets, World News
  • Labour demand strong, consumer confidence falling.

  • Inflation hitting new highs in US and Australia.

  • Energy crisis brewing in Europe.

  • RBA reacts to inflation, moves on rates twice.

  • Global sharemarkets poor in Q2.

  • China looking more positive after Covid shutdown.

  • Where to from here?

Karen S
21 June 2022
Australian Economy, Financial Planning, Investing, The Markets

The Most Dangerous Word in Finance

Karen S
21 June 2022
Australian Economy, Financial Planning, Investing, The Markets

Hearing the word safe is an opportunity to assume much more on the sunny side about an investment and the people behind it, than seeing any dark clouds. For some investors “safe” is a face value signal there are no concerns…

Karen S
21 June 2022
Australian Economy, Financial Planning, Investing, The Markets

Investing & New Challenges

Karen S
21 June 2022
Australian Economy, Financial Planning, Investing, The Markets

Inflation and the response to it by central banks have spooked financial markets recently. It's a challenge markets haven't seen for some time. We offer some thoughts and highlight some things to be mindful of.

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Categories

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