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  • Cash flow in retirement - The name of the game - 28 Nov 2014

    Life expectancy in Australia is at all time high, with a boy born in 2010–2012 expected to live to the age of around 80 years, and a girl expected to live to 84 years. The prospect of having to make your cash last longer to fund your living expenses well into your later years can be a daunting task. As financial adviser’s people often ask, will I have enough money to see through my retirement years??? The key is receiving the right financial advice and implementing a proper investment strategy. At Wakefield Partners we work alongside our clients to ensure their investments are the right mix, carefully selected to maximise cash flow and make the most of the tax concessions available. Remember “cash flow is the name of the game” How do Franked dividends work? and what advantages do they deliver? In times of low interest rates and poor returns in cash and fixed interest products. Investors recognise the value of shares as source of income and capital growth. Dividends received for which Tax has already been paid for by the company, are referred to as Franked Dividends. This means that the company has already paid Tax on the distributed profits at the company tax rate of 30% (fully franked). Effectively this avoids double taxation, and the recipient of the fully franked dividend is eligible to claim a tax credit of 30%, reducing the amount of tax payable. Shares which pay fully franked dividends are tax effective sources of income for clients in a superannuation environment (tax rate of 15%) effectively benefiting from 15% tax credit. They offer an even greater incentive for clients in a pension environment (Tax free), Investors can benefit from the full 30% Tax credit (from a fully franked dividend) and receive the Tax credits in the form of Tax refunds. High Yield stocks With the analysis and backing of Morgans, our selected investment choices include companies which provide greater than average sustainable yield expectations (5%-6%), and have the potential to produce attractive capital growth over medium term. Some of the traditionally high yielding stocks are household names such as the major Banks, Telstra, Wesfarmers, and the APA Group We are also constantly on the look-out for additional stocks which may also offer great buying opportunities, while offering higher than average yields. If you would like to find out how Wakefield Partners can assist in selecting the right investment strategy for you. Contact us via email or talk to us on 08 8333 2488.

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  • Shares - Should You Join The Panic? - 08 Nov 2011

    While the severity of recent global stockmarket events cannot be understated, it is important to retain some rationality. “Billions Wiped Off Sharemarkets”, “Stocks Plunge On Fears Of Global Turmoil” and even “Bloodbath” are among headlines seen in recent weeks. The standard photo of a Wall Street trader with his head in his hands pops on the front pages of various publications. When markets inevitably rally a few days later, I always look to see the “Billions Added to Sharemarkets” headline, but alas, I’ve never seen it. It obviously lacks the drama! A decision to join the many shareholders who sell their shares during these panic-driven frenzies should not be made lightly. Humans are impulsive, and people’s best laid plans are in danger of being thrown out the window if they act at the first sign of sharemarket weakness. US Recession, US Ratings Downgrade, European Debt – whatever the reason, it is important to remember that the market corrections associated with these events, like the dotcom bubble of the early 2000s, September 11 and the 1987 stockmarket crash, are likely to be only temporary and in each case, global stockmarkets recovered and achieved new highs. With current events following on from the Global Financial Crisis, it seems that this “bear market” has lasted for longer than usual, with months (or even years) where it feels like the market has gone nowhere. Most investors hold shares, or have shares in their super fund, as part of a long term investment strategy. These events provide distractions to this strategy, but should not fundamentally alter it. I don’t completely advocate a “do nothing, ride it out” strategy, however if you hold quality Australian Shares in companies that are continuing to grow and pay strong dividends, it may pay to consider your overall position carefully before joining the “panic sellers”. I can help you review your shares and investments and ensure they are suitable for you. Please contact me on (08) 8333 2488. Scott Keeley

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  • Share Purchase Plans – Good Value? - 04 Aug 2009

    With the scramble on to raise money and reduce debt many companies are coming to the market with well priced share purchase plans (SPPs).  Second line companies in particular are offering shares at good discounts to the current market price.    In the past SPPs were fairly tame affairs with the maximum value of shares available limited to $5,000 or less.  Since the credit crunch many companies have applied for dispensation to increase the maximum to $10,000 or $15,000.   The higher amount of shares on offer has made some of the offers very attractive.  With some of the offers up 10% to 30% below current market price they are providing good opportunities for investors.   There are a number of worthwhile strategies depending on each investor’s circumstances.  These include the opportunity to “average down” the cost base of a share, crystallize capital losses, or just simply make a quick profit.   At the end of the day it is important that investors appreciate that there are always some risks in any share strategy, with the risks generally reflecting the potential profit.  Investors are well advised to only apply for shares that they are comfortable holding for the medium term just in case markets take a turn for the worst.

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