Investing Archives - Holzworth Partners

9 Apr 2025

What is a Tariff? Understanding the Role of Tariffs in Global Trade

What is a Tariff? Understanding the Role of Tariffs in Global Trade In today's globally interconnected economy, the word tariff often pops up in the news, particularly in stories about trade negotiations, international disputes, or discussions about economic growth. But what exactly is a tariff, and why do countries impose them? In simple terms, a tariff is a tax imposed by a government on goods and services imported from other countries. These taxes are typically

5 Feb 2025

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

By Jane Purnell

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?

5 Feb 2025

How Businesses Can Access Private Credit for Growth

By Jane Purnell

As traditional banks tighten lending requirements, private credit and alternative lending options are becoming vital sources of financing for businesses. This article explores how businesses can leverage private credit to fuel expansion, manage cash flow, and achieve financial stability in 2025. Understanding Private Credit Private credit refers to non-bank loans issued by alternative lenders, institutional investors, and private equity firms. Unlike traditional bank loans, private credit offers more flexible terms, faster approval processes, and tailored

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

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

30 Aug 2024

Property investment terminology, benchmarking, and improving your return.

By Jane Purnell

Getting your head around property investment. If you’re a first-time investor, or you just want to better understand the lingo and investment performance measures, we’ve got you. We’ve put together easy to understand stats, facts and figures that any savvy property investor should get familiar with. To make life as an investor even easier, we’ve included some actions you can take if your property is not measuring up plus opportunities to look for if it

8 Apr 2024

Tax Changes- What it will mean to me?

By Jane Purnell

Prime Minister Anthony Albanese has announced changes to address ongoing cost of living pressures with all 13.6 million Australian taxpayers receiving a tax cut from 1 July 2024, compared to the tax they paid in 2023-24. Now is the time to assess what it means to your hip pocket and what implications it may have for end of financial year planning as a result of the new rules, due from 1 July 2024. The Federal Government has

5 Mar 2024

Options to Invest Your Self-Managed Super Fund

By Jane Purnell

Over one million Australians have embraced increased autonomy over retirement funds by opting for a self-managed super fund (SMSF). An SMSF offers the advantage of diversifying investments across a wider array of asset classes compared to conventional superannuation funds. Prioritising your financial objectives is essential when evaluating investment opportunities. While conservative assets (cash and bonds) offer stable cash flow, growth assets such as property, shares (Australian and global) and commodities contribute to wealth accumulation. Below