Rayner Planners

Investing in infrastructure is about investing in the companies that provide essential services to society and earning predictable, reliable returns in the process. More than 350 infrastructure and utility companies are listed on global stock markets, with the sector having a combined market capitalisation in excess of US$4 trillion; about three times the market value … Read more

Investors maintained a healthy risk appetite for much of October, which enabled major share markets to make further progress. Movements in the US set the tone, with the S&P 500 Index rising to fresh all-time highs during the month. Towards month end, however, subdued results from some of the largest technology firms in the US … Read more

As value returns to market favour it’s time to check in on your portfolio – but not all value exposure is created equal. A notable comeback in value stocks over the past six months is an important reminder for investors to reassess their portfolio allocations. Value stocks, which typically trade at a discount to their … Read more

You don’t have time When you’re juggling your job with your personal and family life, it can be challenging to carve out time in your schedule to really sit down with your finances. As a result, it’s easy to feel that they are slipping out of your control. You find yourself putting off big financial … Read more

Some of us may help provide assistance to our ageing parents or other relatives in the future. That time may bring a range of emotional and physical challenges. Planning ahead may help relieve stress down the track. Here are three suggestions that may make a difference. Talk about your parents’ future It may not be … Read more

Just as it is vital to invest in the financial planning, retirement planning must also focus on that other precious commodity – time. We live in an era of increasing longevity, and we have the opportunity to redefine the concept of retirement and create our own path forward – which may include working in some … Read more

Looking for higher returns than cash in the bank with less volatility than shares and property? With interest rates generally considered to be at or near their peak, fixed interest investments, such as bonds and other credit investments, may offer an attractive ‘middle ground’. Interest rates represent the cost of borrowing money. They affect how … Read more

Books can spark our imaginations, transport us to new worlds, and let us explore other times and other minds. They’re also an invaluable tool for learning. Here are some ideas to help kids of all ages learn about money and start developing their financial literacy. Kids aged 4-6 At this age, many kids will be … Read more

Moving into residential aged care can be an uncertain and overwhelming experience for everyone involved. On top of the personal and emotional challenges, there are a number of important decisions to make including which facility is most suitable for your loved one, what fees will they be required to pay and what to do with … Read more

It’s lucky Aussie homeowners are a pretty resilient bunch. All the interest rate rises over the past couple of years have delivered a serious reality check, leaving variable rate home loans higher than they’ve been for a generation. So you need to get your home loan working as hard as possible particularly if your fixed … Read more