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Cardena Investment Update First Quarter 2020

DATE CREATED: Thursday, 20 February 2020 10:14

Cardena Director Tom McDonald shares his insights on key investment and market factors during the first quarter 2020

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Economic Snapshot January 2020

DATE CREATED: Thursday, 13 February 2020 11:45

January was a dramatic month for the world economy and financial markets, starting with hostilities between the US and Iran and ending with fears about the new coronavirus (2019-nCoV) from China. Here in Australia, we had the extra difficulties from the terrible bushfires.

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Economic Snapshot December 2019

DATE CREATED: Thursday, 23 January 2020 12:26

December closed out 2019 on a positive note with equities, bonds and commodites all raling as key economic data steadied and the US and China agree to sign the Phase One trade deal. Central banks, including our Reserve Bank, flagged their intention to keep providing liqudity support for the foreseeable future. 

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Economic Snapshot November 2019

DATE CREATED: Wednesday, 11 December 2019 13:55

November was a good month for euity markets as the broad risk-on thesem continued. Both the local and US equity markets reached new highs. In contract, the performance of bond markets was mixed, especially for the global bond markets. where expectations of further interest rate cuts have diminished. 

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Economic Snapshot October 2019

DATE CREATED: Tuesday, 12 November 2019 08:33

After starting October on a cautious note, markets became a little more optimistic about global economic conditions as the month progressed. News that the US  and Chine would sign the so-called "Phase 1" agreement in the trade dispute contributed to the markets improved mood, as did the Ferderal Reserve cutting the cash rate by another 0.25%.

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Cardena Investment Update September 2019

DATE CREATED: Thursday, 17 October 2019 11:08

Cardena Director Tom McDonald shares his insights on key investment and market factors during the quarter ending September 2019

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A contested estate – not something you want to leave your family

DATE CREATED: Wednesday, 17 April 2019 12:04

Families come in all shapes and sizes and it’s import to understand aggrieved loved ones may contest your will

18 March 2019

Thanks to our legal firm partner, Hall & Wilcox, for providing this content.

We are often asked the question ‘how much should I leave for my children’, especially when children are not being treated equally or a child is estranged. Unfortunately, there is no magic answer. If the child is an eligible applicant under the applicable State or Territory legislation for estate claims, the individual should try and make adequate and proper provision for that child even if they do this reluctantly.

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The beauty of compound interest

DATE CREATED: Tuesday, 16 April 2019 10:04

Time in investment markets matters, especially when you reinvest interest

12 April 2019

Interest on a loan or that you receive on a deposit can be calculated in two ways: by simple interest or compound interest. How interest is calculated matters over time and that’s why financial advisers recommend paying down debt as quickly as possible and adding regularly to investments, especially very long-term investments like superannuation.

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Budgeting to achieve your goals

DATE CREATED: Tuesday, 16 April 2019 08:26

Be more financially independent

Tips to get younger people saving money

18 March 2019

This is the first note in a series designed for you to share with your children. At Cardena, we’re thinking about your extended family and ways that we can help them build a strong financial future – by starting now.

The word ‘budget’ invokes fear in many that treasure ritual pleasures such as a daily cup or two of barista coffee or Sunday morning brunch. A friend recently confided she spent $1,600 last year on coffees. This might surprise you, but it only takes a couple of bought coffees a day to reach and exceed that number.  Small daily amounts can add up!

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How will Labor’s proposed changes impact you?

DATE CREATED: Monday, 11 March 2019 08:14

Capital gains tax, changes to trusts

28 February 2019

Australia’s superannuation nest egg is estimated at more than $2.7 trillion and is attracting attention all over the world but not all of it is positive. Domestically, both sides of politics have altered superannuation and investment rules in the name of fairness but in the process changed the landscape for investors, forcing them to reconsider their choices. Never has there been a more important time to seek financial advice and be confident in your investments to sustain your financial future.

Last year the Labor party signaled that they will reform a number of measures should they win the next general election expected in May.

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