John Kavanagh
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Kavanagh

When we talk about housing affordability we are really talking about two different things  – deposit affordability and repayment affordability. The deposit hurdle has increased steadily over time, and while it has come down over the past couple of years,…

Profit season: lofty valuations meet grim reality

The average growth in earnings per share in the reporting season that starts this week will be a modest 3.9 per cent, with most of the growth coming from the resources sector. Macquarie says this reporting season represents the “trough…

Residential property market sentiment picks up

Australians are reporting that they are more optimistic about the outlook for house prices. And a significant number are looking to buy over the coming year. According to ME Bank’s latest Quarterly Property Sentiment Report, 38 per cent of respondents,…

TPB warns on unregistered tax agents

The Tax Practitioners Board has issued a warning to taxpayers about the risk of using unregistered tax agents. It says there have been a number of cases of agents posing as legitimate registered tax practitioners who lodge returns on behalf…

Income investors need to focus on risk-adjusted returns

Vincent Chin says investors contemplating a wider range of investment options as they look for income solutions must keep an eye on risk. Chin is a portfolio manager at Clime Asset Management, where he looks after the Clime Fixed Interest…

How can I avoid breaching the super contribution cap?

Q: I have more than one job and last financial year I was close to breaching my concessional contribution cap. I understand the Government was looking at some changes to the super rules that would help people like me avoid…

Kavanagh

While the Government is considering what controls it might impose on digital platforms, in response to the Australian Competition and Consumer Commission’s critical review of the sector, there are important takeaways for consumers. The ACCC review of digital platforms focused…

Top super fund performers revealed

Top-performing superannuation funds – almost off of them industry funds – produced returns of 8 per cent or more for their members in the 2018/19 financial year, while the median return for all balanced portfolio options was just a little…

Gold price hits record high

The gold price has hit a record high, in Australian dollar terms, and is worth more than A$2000 an ounce, after having a strong rise over the past year. In local currency terms, the gold price is up more than…