A Clear Direction places ongoing client communication as a priority.
The following sets out points of contact with clients over recent years.
May 2012 - Provided clients with our 2012 Budget – Personal Finance Summary.
April 2012 - Sent a quick note to clients reviewing the 3 Factor model, outlining findings from the latest SPIVA report and Dalbar study, reviewing income target levels in retirement and the amount of income producing assets to support these levels, taking a look at benchmarking your financial progress, a review of inflation levels for retirees, a review of target asset allocations approaching & in retirement, a review of end of financial year strategies, a review of the tax and compensation details relating to the introduction of the carbon tax, a broad review of investmens held in client portfolios and provision of up to date historical return data.
December 2011 - Sent a quick note to clients looking at implications of the European debt crisis, a review of asset allocation considerations, keeping an eye on investment yields, reviewing the accuracy of expert forecasts, explaining the 5 Year Diversified Fixed Interest Trust in more detail, taking a look at the new Global Bond Trust, outlining what clients' financial adviser is doing with his financial plan and investment plan and provision of up to date historical return data.
May 2011 - Provided clients with our 2011 Budget – Personal Finance Summary.
April 2011 – Sent a quick note to clients looking at the Japanese Quake aftermath for the world economy, the latest SPIVA data, Bloomberg’s report on broker recommendations, learnings from the Norwegian sovereign wealth fund, how to recognise and avoid investment risks, a review of SSGA’s small companies ETF.
October 2010 – Sent a quick note to clients looking at the return of growth in company returns, the relationship between Q Super & Dimensional, U Bank’s offering for SMSFs, a review of AREITS, a review of SSGA’s High Yield ETF, our thoughts on the QRN float and whether it would kill you to own fewer shares.
May 2010 - Provided clients with our 2010 Budget – Personal Finance Summary.
March 2010 – Sent a quick note to clients looking at the prevailing economic situation and how our investment philosophy sits with that context along with a review of investment markets.
October 2009 – Sent a quick note to clients looking at the MENSA investment story, comparing performance of selected investments against Q Super, Vanguard’s Index Chart, why not to invest in Heritage’s 10% notes, a review of Dimensional’s 5 Year Diversified Fixed Interest Trust and an article suggesting that this time is not different a.
June 2009 - Sent an email to clients providing a link to an interesting online presentation by Dimensional looking at the current climate and discussing "What should investors do now?".
May 2009 - Provided clients with our 2008 Budget – Personal Finance Summary.
May 2009 - Sent an email to clients providing an update including discussion of the current market climate, income levels from asset classes, discussion of whether it is time to tighten household expenditure budgets, outlining end of financial year considerations, a discussion of investment alternatives under consideration and an update on our client referral program partnership with KIVA.
February 2009 - Sent a quick note looking at decade by decade investment returns and economic growth, comments on the company reporting season to date and looking at fixed interest strategies going forward.
January 2009 - Sent a quick note looking at risk and investment markets along with two interesting articles, one looking at the failure of economic forecasters and the other looking at the best allocation of funds going forward.
January 2009 - Sent a further book to all clients looking at the philosophy we use as the basis for investment portfolios.
December 2008 - Sent a book to all clients looking at the philosophy of using index funds as the basis for investment portfolios.
December 2008 - Sent a letter to all clients providing a research report looking at the benefit of Australian share income over time.
November 2008 - Sent an email to all clients providing a quick market update discussing three major factors weighing on share markets and why we continue to recommend holding investments in shares.
Late October 2008 - Sent an email to all clients providing a link to a useful presentation looking at the question of whether it is different this time.
October 2008 - In conjunction with our September quarter portfolio reviews we discussed the four major problems facing markets along with a discussion of the government guarantee of deposits and discussion of an article written by Warren Buffett.