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Monday, 17 February 2014 11:47

US Recovery – It’s real!

There continues to be much skepticism among the general public about the recovery of the US economy.

US-4-Budget-Position

In this article, we provide a series of charts that show that the US recovery is very real.

Further evidence can be seen in the US share market.  During the most recent company reporting season we saw 68% of companies in the S & P 500 beating earnings expectations.

The next chart shows the average monthly employment growth – note that a number of 200,000 new jobs is required to lower the unemployment rate.

US-2-Employment-Growth

The US Housing market has a multiplier effect throughout the economy both in terms of employment as well as consumer spending.  Activity and prices have most certainly turned as can be seen in the chart below.

US-3-Housing-Market-Recovery

The US Budget position has dramatically improved as economic activity has turned.

US Corporates are also in good shape – earnings have beaten expectations and their balance sheets are in good shape.

US-4-Budget-Position

DISCLAIMER: The above information is commentary only (i.e. our general thoughts).  It is not intended to be, nor should it be construed as, investment advice.  To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information.  Before making any investment decision you need to consider (with your financial adviser) your particular investment needs, objectives and circumstances.

This entry was posted in Debt Crisis, Investment Advice, Self Managed Superannuation, Superannuation and tagged , , , by Mark Draper. Bookmark the permalink.

Monday, 17 February 2014 11:47

CSL – Company Update – January 2014

CSL has long been a company we have liked.

Mark Draper (GEM Capital) talks with Daniel Moore (Investors Mutual) about some recent developments with the company as well as an important accounting measure that investors should be aware of when valuing CSL.

DISCLAIMER: The above information is commentary only (i.e. our general thoughts).  It is not intended to be, nor should it be construed as, investment advice.  To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information.  Before making any investment decision you need to consider (with your financial adviser) your particular investment needs, objectives and circumstances.

 

This entry was posted in Investment Advice, Self Managed Superannuation, Shares and tagged , , , , by Mark Draper. Bookmark the permalink.

Wednesday, 12 February 2014 15:54

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Wednesday, 12 February 2014 15:47

Comedy Corner

We have dedicated this section of our website to the lighter side of the financial world.  We hope you enjoy this collection of footage and if you have anything you believe would fit into this section, we would love to hear about it. 

 

US Debt Ceiling

If it weren't so serious, the raising of the US Debt Ceiling affair was truly laughable.  Here is a satirical look at it

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Banned iPhone 5 commercial

A satirical send up of Apple's advertisement of iPhone

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Sub Prime Mortgages - The cause of the Global Financial Crisis Explained Simply

Two UK comedians discuss the true causes of the Global Financial Crisis in a very satirical fashion.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Financial Counselling Commercial

An amusing commercial promoting investment counselling - unexpected ending

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Banned Life Insurance Commercial

Produced by UK comedians, an amusing life insurance commercial that clearly would not make it to mainstream media. Great British comedy.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Mortgage Commercial

Very funny commercial about from Mortgage Company set in a hospital

 

 

 

 

 

 

 

 

 

 

 

 

 

Investing into Soft Commodities (alternative view)

2 minute video about the reasons why investors should consider farming from UK comedians (Warning: some coarse language in this video)

 

 

Wednesday, 12 February 2014 15:47

Our Investment Philosophy

Good investing in our opinion involves having a sound philosophy, good access to information, and the courage to either stick with your strategy when markets are going against you, or to be flexible enough to change your position if new information comes to hand.

We have refined our investment philosophy over many years, and it has stood the test of time over market downturns as well as good times.  We have also enhanced our access to information whereby we access some of the best investment minds in the country when structuring our clients portfolios.  GEM Capital sources information from several reliable sources, rather than relying on one broker or one research team. 

We meet regularly, face to face, with leading institutional investors as well as digest a large volume of reading on a daily basis.

Our main focus is to buy high quality investment assets first, and secondly, try to buy them at a sensible time.  We are not fortune tellers and are therefore unable to pick the tops and bottoms of markets.  We can however determine quality.  Those who buy quality investments but slightly overpay, will still generate reasonable returns over time.  Conversely poor quality investments, (eg with too much debt, not profitable, poor management, unsustainable industry sector) may not be healed by time.

This report provides an introduction into how we think about investing within each of the major asset classes.

Click on the report below to download the full version.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

This information is of a general nature only and neither represents nor is intended to be personal advice on any particular matter. We strongly suggest that no person should act specifically on the basis of the information contained herein, but should obtain appropriate professional advice based upon their own personal circumstances including personal financial advice from a licensed financial adviser and legal advice. GEM Capital Financial Advice Pty Ltd ABN 40 627 781 526 AFSL 502836

Wednesday, 12 February 2014 15:46

Interesting Reports

 

We have assembled an excellent set of research reports for the investor who wants to better understand financial markets and strategies.  Some of these reports have been written ourselves, while others have been produced here with the consent of the authors.

 

Simply click on the image of the report to read.

  

Report 1. Wisdom of Great Investors

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Report 2. How Australia's Great Complacency will come back and haunt it

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  

Report 3 - Generating Sustainable Retirement Income

 

  

Report 4. 11 attributes of successful investors

11 attributes of successful investors

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Wednesday, 12 February 2014 15:45

Economic Updates

Information is Power when it comes to investing.  At GEM Capital we work very hard to ensure we have excellent sources of information so that we can deliver high quality and well thought through investment strategies for our clients.

Here is a collection of information from some of our sources.

 

Magellan Financial Group

Magellan Financial Group was established by Hamish Douglass and Chris Mackay in 2006.  Hamish and Chris have extensive experience in investment banking in Australia and overseas.  Prior to establishing Chris was the Chairman of UBS in Australia.  Magellan specialises in global investing.  Chris and Hamish have relationships with some of the wealthiest families in Australia as well as high level business and political relationships both in Australia and abroad. 

 

Click on the Magellan icon below to read the recent Investor Update (June 2018)

Magellan 2018 Image

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Magellan Financial Group Website – www.magellangroup.com.au/


 

 

Platinum Asset Management Update

Platinum Asset Management are arguably the most successful International Fund Manager operating from Australia.  The flagship fund, Platinum International Fund has outperformed the International share market over the past 10 years by a significant margin.

 

Click on the Platinum icon below to read the most recent Quarterly Review (June 2018)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Platinum Asset Management Website– www.platinum.com.au


 Westpac Economics

The team at Westpac Economics are very highly regarded, both in terms of their depth of coverage, but also by their conviction of their views.  Here is a recent publication from the Westpac Economics team that provides a summary of the Australian economy.

 Image Westpac Redbook

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


The following links require Adobe Acrobat, which can be found here.

This information is of a general nature only and neither represents nor is intended to be personal advice on any particular matter. We strongly suggest that no person should act specifically on the basis of the information contained herein, but should obtain appropriate professional advice based upon their own personal circumstances including personal financial advice from a licensed financial adviser and legal advice. GEM Capital Financial Advice Pty Ltd ABN 40 620 781 526 AFSL 502836

 
 
 
Wednesday, 12 February 2014 15:37

Our Role

 

A. We provide advice about the appropriate levels and types of insurance that should be considered.

 

B. Once amounts have been determined we help our clients arrange ownership in the most effective manner for their personal situation to ensure that the insurance benefits go to the intended beneficiary. While this may sound straight forward, in today's world where split families are the 'norm', great care must be taken with ownership to limit the potential for expensive and emotionally draining legal battles. Our blog site contains further case studies on this aspect.

 

C. We act as broker for our clients, so once an insurance need has been determined, we consider what is available on the market and match the best, most cost effective insurance with the situation.

 

D. On an annual basis we then review the insurance to ensure the level of cover remains appropriate and then see if we can obtain a better quality insurance cover.  Note the aim is not to replace your personal insurance each year, but this is simply a discipline we undertake to ensure that you our clients are receiving best 'bang for their insurance dollar'.

 

E. Finally, the purpose of effecting insurance is to have money available when you need it most so we offer our service to assist in the claims process to make it as smooth, fast and stress free as possible.

 

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