Investment In Agriculture Forum

Investment In Agriculture Forum

Business, Investments
Myf and Al attended the 2017 Investment in Agriculture Forum held in Toowoomba on the 21st of February. This forum was a great follow up from their China trip in late 2016 and another good opportunity to hear what sort of opportunities are presenting themselves from an international and domestic “silent” investor position. As previously seen in other developed countries, in particular the US, investors are continually looking to increase their exposure to agriculture and real benefits exist for farmers and graziers to consider arm’s length investors to assist them to go from a family enterprise to a more corporate operation. This process will not appeal to everyone. However, over the last decade or so the discussion around the future of the family farm has attracted considerable attention. The big…
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2017, What Will You Achieve?

2017, What Will You Achieve?

Business, Insurance, Investments, Superannuation, Taxation
If you are wanting your 2017 to have a better outcome than your 2016 and you haven’t started your New Year differently don’t expect to end it differently (although it is not too late to make changes). We are already well over half way through January 2017. What have you done in a different way to what you did in 2016? The new year not only brings a new number to remember when writing the date but it also brings with it opportunities to start afresh, to make a change, set a new goal (make it a little challenging), take a chance or simply improve on what may have been a great 2016. So here at Accession3 we are not going to promise to help you lose weight, have well…
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AUD Falls But Where Next?

AUD Falls But Where Next?

Business, Investments
Financial market has continued to respond to the implications of incoming economic policy, re-emergence of trade barriers on global supply chain (including Australia) pivot prior to the US presidential election. Amid US investors/traders optimism about rising interest rates resulting from the Trump administrations economic policies and ongoing strength in the US economy, our local currency has dropped to its lowest level over the past six months. Following the Federal Open Market Committee (FOMC) monetary policy announcement we have seen the AUD fall to 72.52 US cents on Tuesday (per Bloomberg Markets). Westpac chief market strategist Imre Speizer has noted that “Momentum remains negative, thanks to the post-Federal Open Market Committee surge in the US dollar last week, with the next major multi-day target around the 72 US cent area.”. Since…
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Growth Investing Is A Fool’s Game…

Growth Investing Is A Fool’s Game…

Investments, Shares
As a growth investor, the last month has been one of mixed feelings. The market overall has gained and some old warhorses have seen their stocks rise. Yet, the fact is, as we waded our way through reporting season many of the markets ‘best’ growth stocks have crumbled. Dominoes is down 20% from its highs. Isentia down near 40% from its highs. Aconex is down nearly 50% from its highs. Over the last month the list has grown. And grown. And grown. The commentary is near identical. The first half has been tougher than we thought to generate sales growth. More competition. More competitive pricing behaviour squeezing margins. Delayed purchasing decisions. All of that sounds like normal business me. It happens. Sales growth is never linear yet market analysts always…
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A Trump Win Provides A Timely Investment Lesson

A Trump Win Provides A Timely Investment Lesson

Business, Events, Investments, Shares
After an interesting past 24 hours, today we are reminded of one of the key rules to investing: knee-jerk reactions are never the best. As a Trump victory became increasingly apparent Asian markets collapsed with many traders rushing for the exits with fears of financial Armageddon. Then we wake up this morning hearing the news that rather than the US market dropping 5% as futures markets predicted, it instead, rose. A Brexit like response. Our philosophy is investing in businesses and not in trading sentiment, that is a fools game. The simple reality, if we’d followed the herd yesterday we would have lost money. So another reminder: Never follow the herd. But what a Trump presidency does is throw up potential new investment themes that perhaps we can take advantage…
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Investing Takes Time

Investing Takes Time

Investments
One of our key rules to investing is that it can and mostly likely, will take time to see the results you want. While some believe in trading in-and-out of shares and riding trends and other lines we believe in investing in business. Business needs time. The problem with time is you never know how much you need or have. Today's car crash for AMP saw the final vindication of an investment decision we made all the way back in 2011. Back then we suggested selling AMP Limited (ASX: AMP) shares on the back of the soon-to-be acquisition of AXA Asia Pacific and that a better investment would be Challenger Limited (ASX: CGF). The basis of our decision at the time was that in Purchasing AXA Asia Pacific at the…
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The Loanmarket  Mortgage Health Check Is Available Now!

The Loanmarket Mortgage Health Check Is Available Now!

Investments
Why is it important to check the interest rate you are paying? If you are living off your cash investments, then the interest rate you receive is so important and you would always be on the lookout for better rates! If you are buying a TV you don’t take the first one that takes your eye, you shop around for a better deal and that’s on a $500 TV! Yet how many investors in the property market check the interest rate they are paying their current lender and you may have lending around $500,000 with rates in the high 4% range? When has a lender ever called you personally and offered to drop your rate! Example of possible savings A saving of 0.75% on a $500,000 loan could save you…
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Insurance Claims Rejected More Often When Sold Without Financial Advice

Insurance Claims Rejected More Often When Sold Without Financial Advice

Investments
The latest ASIC report into claims handling practices in the life insurance industry has found no evidence of “systemic misconduct” in handling claims, but identified several areas of “significant shortcomings”. The review also found that claims were rejected at a higher rate when the insurance was sold directly to consumers without financial advice*. It’s been a big week in the world of life insurance with the release of an Australian Securities and Investments Commission (ASIC) report on claims handling practices in the life insurance industry and the Financial Services Council (FSC) releasing a code outlining how their members – including registered life insurers, behave in their direct dealings with consumers. These developments, which follow hot on the heels of last week’s appearance in front of the parliamentary committee by the…
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Family Guarantee Can Help Your Kids Onto The First Step Of The Property Ladder

Family Guarantee Can Help Your Kids Onto The First Step Of The Property Ladder

Investments
A Family Guarantee loan is a way for your parents or family to help you purchase a home without them actually providing the cash for a deposit. A family members can use their own home's equity to provide additional security for a portion of your loan amount. This solution reduces your loan to value ratio which can save you a significant amount of money by avoiding the need to pay Lender's Mortgage Insurance. So you get into your home faster, with help from your family. Below are the key features of one of our lenders family guarantee policy: By increasing your security through a security guarantee from your family, you will reduce the loan value ratio of your loan to under 80% and this eliminates paying Lender's Mortgage Insurance. First…
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Making $1M

Making $1M

Investments
Could you save $6,000 per year? Do you think it’s possible to turn a $6,000 saving into a cool $1m? We think you can. Here’s how. By investing your $6,000 each year for 30 years into investments returning 10% pa will grow into $1,091,661. The only point of conjecture in this calculation is whether a return of 10% per annum is possible. We believe it is. In fact, we’d argue we have proof. WAM Capital Limited (a Listed Investment Company or LIC) has achieved total shareholder returns (TSR) of 9.7% pa respectively over the past 10 years. Magellan Financial Group Ltd’s (ASX: MFG) flagship global fund has returned 10.8% pa since inception – which is only 9 years ago. No while neither of these are 30 year average returns we…
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