Financial Advice Archives - Holzworth Partners

5 Feb 2025

ESG & Sustainable Finance: What Every Investor & Business Needs to Know in 2025

Sustainable finance and Environmental, Social, and Governance (ESG) investing have become integral to the global financial landscape. With growing regulatory pressures and increased investor demand for ethical investments, businesses and financial institutions are prioritizing sustainability in their financial strategies. This article explores the core principles of ESG investing, the latest regulatory developments, key investment opportunities, and how businesses can adapt to the evolving landscape of sustainable finance in 2025. What is ESG & Sustainable Finance?

4 Feb 2025

Investment Bonds: A Tax-Efficient Wealth Strategy

By Jane Purnell

Investment bonds are gaining renewed attention in 2025 as a tax-efficient wealth-building strategy. With rising taxation on high-income earners and evolving estate planning considerations, investors and financial advisors are exploring the benefits of investment bonds as an alternative to traditional superannuation and trust structures. This article explores the advantages, tax benefits, and strategic applications of investment bonds. What Are Investment Bonds? Investment bonds, also known as insurance bonds, are tax-effective investment vehicles that combine features

14 Jan 2025

IndexInvest Update

By Mark Holzworth

Our wholly owned investment manager, IndexInvest, directs how investment portfolios are allocated across asset classes (shares, property, bonds, cash, etc) and global investment markets. Below are insights of what 2024 delivered for you. Geopolitics and Markets Geopolitical events played a significant role in shaping market sentiment. The conflict in Ukraine intensified, leading to disruptions in energy markets and increased defence spending globally. The year 2024 was notable for elections, with over 60 countries going to

11 Dec 2024

Helping the kids

By Jane Purnell

Helping the kids- Without derailing your retirement plans As parents, the instinct to support our children never truly fades, even when they become adults, but when you are looking at giving them a financial helping hand, there is a bit to consider. It’s important to ensure any support you provide is not at the expense of your financial future. It can also be tricky knowing what form your support should take, in order to maximise

12 Nov 2024

Understanding Negative Gearing and its Impact on the Housing Market

By Jane Purnell

Negative gearing is a term commonly associated with property investment in Australia. It refers to the practice of borrowing money to purchase an investment property where the costs of owning that property—such as mortgage interest, maintenance, property management fees, and other expenses—are higher than the income generated from rent. This loss can be offset against the investor’s taxable income, reducing the amount of tax they are required to pay. Essentially, it allows property investors to

12 Nov 2024

The Trump Trade is a real thing!

By Mark Holzworth

The "Trump Trade" refers to the behavior of global financial markets and investor actions in response to Donald Trump's economic policies and political moves. It is fair to say that since the election of Donald Trump, markets have moved substantially.Here are some key market impacts:Stock Market: Mr Trump's policies, such as deregulation, tax cuts, and increased fiscal spending, have historically led to a surge in U.S. shares, especially in sectors like technology, financials, industrials, and

3 Oct 2024

Retiring Richer, Earlier.

By Mark Holzworth

Self-Managed Super Fund Members Retire with Higher Balances According to new research from accountancy software provider Class, SMSF members are retiring earlier and with larger member balances than their counterparts in public offer funds (i.e. retail, industry super). In the recently released “2024 Annual Benchmark Report,” Class revealed that members aged 60 to 64 in SMSFs are 2.7 times more likely to utilise a transition-to-retirement income stream (TRIS) or retirement-phase income stream than those in

1 Oct 2024

Empowering You to Achieve Your Financial Goals

By Jane Purnell

At Holzworth Partners, we believe that education is the foundation of sound financial decision-making. Our goal is to manage your finances and equip you with the knowledge and tools you need to achieve your financial goals with confidence. We are passionate about helping you understand every step of the process so you can make informed choices that align with your future aspirations. To ensure you have the right support, we’ve developed a variety of resources

4 Sep 2024

The Value of Financial Advice in Enhancing Client Wealth

By Jane Purnell

In the ever-evolving financial landscape, the importance of professional financial advice has never been more evident. A recent report by Russell Investments highlights how financial advisers can significantly boost client portfolios, with an estimated annual value add of 5.7%. This figure underscores the multifaceted role that advisers play in safeguarding and growing their clients’ wealth, particularly through behavioural coaching, comprehensive financial planning, and tailored advice. Behavioural Coaching: A Crucial Role in Wealth Preservation One of

6 Aug 2024

Customising ESG Investing with a SMSF: Aligning Investments with Your Values

By Jane Purnell

As awareness of environmental, social, and governance (ESG) issues grows, many investors seek to align their investment portfolios with their personal values. ESG investing, which focuses on companies' ethical and sustainable practices, has become a popular choice for those who want to make a positive impact while achieving financial returns. For Australians, one of the most effective ways to customise ESG investments is through a Self-Managed Super Fund (SMSF). This article explores the benefits of