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End of a turbulent financial year...
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What a year for the stock market! Twelve months ago nobody had heard of a sub-prime crisis after four years of back-to-back capital markets growth. Anyone under age 30 would have been convinced that the only direction a stock market index could head was due north!
How things have changed.
Our commitment to diversification within our clients investment portfolios has been validated. Our clients' property investments, while lagging in growth when compared to the stock market in previous years, have served their true purpose - which is as a store of wealth. The wisdom of our elders says: 'don't put all your eggs in one basket' and if investors haven't got that message in the last twelve months then they must have stopped reading the newspapers!
The biggest story of this generation has to be the emerging economies as their role shifts from being suppliers of goods and services to developed economies, to consumers in their own right. In China today a new mobile phone is issued every three seconds, and in India a new motorcycle is purchased every 20 seconds.
One of the extremely successful investment strategies Locumsgroup has been applying over the past twelve months is the purchase of Australian resource stocks in companies that supply vital minerals to emerging economies, combined with selecting strategic investments in China, India and other emerging economies who represent demand for these valuable mineral resources. The outcome for our clients has been excellent and, as we watch Australian banks and a list of other shares trading at significantly reduced PE levels, the value of our clients' portfolios have been defended.
Your final preparation as we approach June 30th should involve you addressing all eligible deductible expenses including pre-payment of interest; ensuring your full superannuation entitlements are achieved; and that final tax planning arrangements are in place.
Its not too late to obtain advice, so please feel free to contact us.
Paul Ahearne
Managing Director
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End of Financial Year Products and Strategies
Matthew Bohlsen, Senior Financial Adviser Locumsgroup
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Macquarie Reflexion (Closes June 27, 2008)
Reflexion is a structured product that allows you to invest with 100% borrowed funds with a capital guarantee if you stay the 7 year term. The interest rates on the loan are between 6.95% and 8.5% as the funds are borrowed from overseas to keep the rates low. The term is 7 years , but you can exit after 1 year at 6 monthly intervals. Minimum investment is $20,000.
Investment options include the following;
- Nikkei 225 Index Trust ( Japan)
- Japan Focus Fund Trust
- Best of Nikkei 225 & ASX 200 Trust
- Morgan Stanley Asian Property Trust
- Globalis BRIC and Emerging Markets Trust
- Merryl Lynch China Dragon Index Trust
- Deutche Bank Middle East Index Trust
- Dow Jones Euro Stoxx 30 Index Trust
- Wellington Commodities Trust
- Merryl Lynch Renewable Energy Index Trust
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Commonwealth Bank Capital Series Multi Select (Closes June 20, 2008)
Multi Select is a CBA structured product, again with 100% borrowing (Australian interest rates – Variable 10.2%pa interest in advance, Fixed 9.90% p.a. interest in advance or 10.2% pa monthly in arrears) with a capital guarantee at term. The term is 3.5 years. Minimum investment is $10,000 per option.
Investment options include the following;
- Best of Asia (Hang Sen, MSCI Taiwan Index, KOSPI, ASX 200
- Emerging Markets
- Soft Commodities
Prepaying the interest on investments
This strategy generally involves borrowing to invest into various investments such as property, shares, managed funds, structured products, or agribusiness investments.
The ATO allows tax deductible expenses incurred in both the current financial year and also any expenses paid for in advance for the forthcoming financial year. For example investors can pre-pay the interest on their investment loan for the next financial year and claim it as a deductible expense in the current financial year. The claiming of loan interest relating to a future financial year helps to reduce the taxable income and thus tax payable by the investor in the current year.
Transition to Retirement
This is the most popular financial planning strategy at present. It is suitable to clients over 55yo (ideally 60yo) and under 75yo.
It involves salary sacrificing your salary and commencing a transition or Allocated Pension to meet your cash flow requirements. The strategy aims to reduce your income tax and to build your Superannuation.
Restructuring your finances
A common strategy here is to restructure your investments so as to reduce your non-deductible debts such as home loans. This frees up your cash flow and enhances your use of tax deductions.
For more details please contact a Locumsgroup Financial Adviser info@locumsgroup.com.au.
Happy End of Financial Year!
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Get ready to celebrate!
For Locumsgroup and our clients the end of financial year can be a busy time working to ensure transactions and applications are settled before the June 30 deadline.
For those that have a clear financial strategy and specific objectives this time of year is very exciting. For those that don't, this time of year is the golden opportunity to implement a strategy or make changes. It presents itself with the opportunity to invest in once in a life time opportunities and look to benefit from some tax advantages.
Tax planning has to be carried out before the end of financial year. It is important to obtain advice so that applicable strategies can be implemented in time, or before the new financial year sets in concrete liabilities such as capital gains.
Phone or email our office to speak to an adviser to discuss your financial position and find out if there is some benefit in coming in for a pre June 30 tax and investment planning consultation.
Appointments are booking fast so don't delay. Book now and give yourself something to celebrate!
Call 1800 24 86 86 or info@locumsgroup.com.au.
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Locumsgroup to launch Advice on-line - coming soon
Larissa Barton, General Manager
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Locumsgroup is set to launch its on-line advice portal in June. The web based application will allow Locumsgroup to create on-line interaction with new and existing clients for professional advice transactions.
Paul Ahearne, Managing Director of Locumsgroup, was recently interviewed by Investor Daily and Money Management. His comments were: 'The new service bridges the gap between between no advice and comprehensive advice. As a mulit-disciplined practice we are keen to provide an additional channel for investment, tax and debt structuring advice.'
The first phase of the new advice on-line rollout will be offering on-line superannuation and personal insurance health checks.
Stay tuned. We will broadcast an invitation to enter advice on-line later in the month.
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Friends of Locumsgroup...
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Step Change Communications
If you’ve been thinking about how to grow your business, turn it into a brand, make your marketing budget go further and give your competitors something to worry about: then POSITIONING FOR SUCCESS is the opportunity your business has been looking for. In one supercharged day, two of the advertising industry’s best step you through a growth model that is as simple as it is powerful.
Positioning for Success is the quintessential marketing shot-in-the-arm; setting you up for immediate growth opportunities and ‘future proofing’ your business.
About the seminar:
- Complete a Growth Platform for your business
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- Turn customer insights into commercial gain
- Develop an Opportunities Calendar to focus your resources for maximum return
Download brochure for more information or go to the website www.StepChangeCommunications.com.
Special offer to Locumsgroup clients:
Enter Locumsgroup in the referral section of the registration page and receive $100 cash back on the day of the seminar!
Step Change Communication brings the powerful tools and secrets of the world’s largest organisations and makes them available to small to medium sized organisations.Our presenters have decades of experience working with billion dollar brands, around the world, including Nestle, Pizza Hut, KFC, GSK, Time Out, DHL, Sony and Nokia.
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Presenter: ASHTON BISHOP
Ashton is a commerce law graduate with a passion for the communications sector. He has spent over ten years working in Australia and the UK for the biggest communications agencies, on the world’s biggest brands: including Ogilvy, JWT and Y&R on DHL, YUM restaurants, Nestle, GSK and FOXTEL. He has significant major campaign experience including new product development, brand repositioning and launches. In recent times he has been working in experiential marketing and exploring deeper consumer connections. He works as an innovations consultant facilitating new strategies and ideas to drive business growth in an increasingly competitive consumer market.
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Note to the reader:
The Locumsgroup message is sent to you as either a client or someone who is interested in our products and services. We are against the sending
of unsolicited mail. If you have received this email in error, or would like to unsubscribe, please click here and simply click "send".
Information contained in this message is of a general nature only and does not constitute formal advice. Everyone's financial situation and lifestyle
is unique and we recommend you contact your financial adviser prior to making investment decisions. Locumsgroup does not accept responsibility
for any inaccuracies or errors that may appear in this publication.
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