Client eNewsletter - February 2015 (late edition) - a 2-minute peruse: article reading times shown below
This month we are talking about the financial outlook for 2015, debt management- and trauma risk protection. Preparation of the headline item - the markets and economic outlook for 2015 - delayed the issue of this eNewsletter for February (our apologies for any inconvenience).
Financial Outlook for 2015
As we prepare to advise investing clients on strategies to meet their financial goals we constantly study the economic and market reports available: whilst the sources of our information include the financial press that all can read, we also research through specialist organisations, fund managers and other economic and financial resources.
We share the annual forecast to provide a backdrop to how we see the economic and financial outlook for the year so that you (particularly those of you who invest through our office) can be aware of the matters we are considering when providing the advice we distill as being relevant to your individual circumstances: and in using this process, we are able to monitor the activity of the find managers we entrust with your recommendations to ensure that your money is managed in alignment with our understanding of market activity.
Like all forecasts, there is nothing guaranteed or certain about any of it, but the general 'theme' of the year is what we are looking to establish a sense about. If for any reason there is a dramatic change in economic, political or financial market circumstances, our view will be hastily reviewed (and revised according to the circumstances). [Please also note that the outlook is only a forecast, not a guarantee of any particular outcome - and our Disclaimer should be read in conjunction with this piece.]
To read our view of the 'Market & Economic Outlook for 2015', click on the link below: it's about an 8 to 10 minute read.
Debt Management
Although the credit cards for the summer spend and the 'Back to School' expenses are probably highest on people's minds at this time, we advocate continuous debt management as a strategy that will better relieve the stresses of this time of year. The article we have linked is only a 2 to 3 minute read, but gives some guidance on how to ensure that the interest on any debt you carry is as tax-effective as it can be: see 'Bad Debt made Good', linked below.
Trauma Risk Protection
In the process of accumulating wealth for future needs, whilst providing adequately for current needs for yourself and any dependants, the prospect of an interruption to your earning capacity due to any of the insurable 'health' events can be mitigated. Our article describing the protection available under a Trauma Insurance policy is only a 2 to 3 minute read - and it could save you financial embarrassment in the longer-term: see 'Trauma Insurance protection', linked below.
Please note that our Newsletter for March 2015 will issue around 28 March.
The ContinuumFP Team
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DISCLAIMER:The information contained in this newsletter is general in nature and does not take into account personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek appropriate financial advice and read relevant Product Disclosure Statements or other offer documents prior to acquiring any financial product.