Financial Keys - A member firm of Genesys Wealth Advisers


News and Insights

There are a number of phases in life, and for many your thirties and forties is a period categorised by increased personal and financial responsibility, it’s when LIFE happens.

If you are in this age group (let’s call people in this group the ‘accumulators’), you may find yourself flat out with work and family commitments.  It is during this time that you’re likely to have your largest amount of debt and therefore be at your most vulnerable. In a family situation there is often one bread winner, and the family are heavily reliant on that one income, but also on the unpaid work of the stay at home parent.

With the constant barrage of mortgage repayments, childcare fees, school fees, car insurance, holiday costs, the cost of day to day essentials, who has the time, money or attention to devote to anything else?

Sound familiar?

Read More »


March 7, 2014
Category: Latest News and Insurance

The December quarter has been another topsy turvy one, thankfully finishing on a high. As we’ve now moved into the New Year it is pleasing to see that this past quarter has capped off one of the best years for investment performance of equity markets in Australia and around the world.

Read More »


January 28, 2014
Category: Latest News

Self-Managed Super Funds (“SMSFs”) investing into direct property is nothing new. Although there have been changes to the ways in which SMSFs can use leveraging to now purchase direct property associated with an SMSF, property as an investment inside a superannuation fund has been a popular choice.

The question is, is this a wise investment for an SMSF?  Furthermore, if you are considering leverage, is the SMSF structure the best option or is the SMSF’s preserved capital merely being used to avail the Australian dream of property ownership?    

Read More »


December 24, 2013

As 2013 draws to a close it’s great to look back at the achievements of the year.

Read More »


December 20, 2013

Australia’s Reserve Bank (RBA) cut the official interest rate in August by 0.25% to 2.50%, the lowest level in over 50 years. The major banks have predominantly passed on this cut by reducing their mortgage rates for home owners. This article will examine why is it that rates have fallen as far as they have, what is the outlook for interest rates in Australia, and finally what people with home loans should be doing to take advantage of the current low-rate environment.

Read More »


November 28, 2013
Category: Latest News and Property

When putting together your investment strategy, it’s helpful to keep in mind the age-old saying that “the whole is greater than the sum of its parts”. Investment portfolios that are invested in a number of asset classes work together to even out performance in both bull and bear markets, taking into account your risk tolerance and time horizon.

Read More »


November 1, 2013

Market Commentary

by Matthew Congiusta

The past few months have been particularly eventful with global politics and monetary policy having their effect on investment markets. Recently, we have witnessed a new Australian Government, President Obama considering a military strike on Syria and most notably the US Federal Reserve (Fed) surprise with its decision ‘not’ to taper its quantitative easing program. China and Japan continue to have a number of issues to contend with, heavily impacted by government decision; and at last Europe has pulled itself out of recession.

Read More »


September 30, 2013

No one sets out to be made redundant. However, the fact of working life today is that many will face this prospect over their working career. For many there is also the loss of employee benefits such as employer funded insurances and employee share schemes – sometimes these aspects are forgotten in the planning process!

A redundancy payment can provide a financial windfall for some, BUT it can also create complex tax situations for many. It is important that you consider all aspects of a redundancy to enable you to navigate a course which is suited to your situation, BEFORE making any final decisions which cannot be undone.

Read More »


August 24, 2013

After several years in their bunkers, Australian investors are beginning to look beyond the safe haven of cash in the search for better returns. Shares have started the year with strong gains, the residential property market is showing signs of recovery and superannuation fund returns are the healthiest in years.

Read More »


July 30, 2013

Market Commentary - June 2013

by Brendan Gallagher

The June quarter provided a reminder of the danger of extrapolating long term trends from short term market movements. The Australian share market surged to a high of 5,220 in May following several months of confidence in improved global conditions. From late May this confidence dissipated and investors saw the Australian share market fall 10% before a modest recovery at the end of June.

Read More »


July 2, 2013

1 2  …  5 6 7 8 9 10 11 12 13

Showing 91 — 100 of 121

© Copyright. All rights reserved. Website created by SiteSuite

Financial Keys Pty Ltd (ABN 71 089 066 955) trading as Financial Keys Corporate
Authorised Representative of Financial Keys Advice Pty Ltd

ABN: 70 626 699 607 | AFSL: 509 930