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Monthly Musings
Click: Are there options in this low interest rate environment?

Good afternoon! and welcome to this month's edition of "Monthly Musings" where we reflect on the month just past.

With the RBA meeting tomorrow, at the front of "savers" minds continues to be the dilemma of very low interest rates. Senior Investment Adviser Brad Gordon looked at this topic of Interest Rates, Term Deposits and what are the possible alternatives. His insights are contained in the video above. 

With the US Election campaign in full swing, global virus concerns ongoing and investors somewhat uncertain, markets were mixed in October.

In this edition highlights include:
  • our market movement overview
  • the launch of Episode 3 of 3 Minute Tech which, like the previous 2 episodes, focuses on the very important topics of superannuation and estate planning. These short videos have been very well received.
  • Focal Point where we explore the legal documents which may allow effective decisions to be made with respect to health and medical treatment.
  • our Entrust team feature, which this month features Senior Investment Adviser and Director, Duncan MacKintosh, and
  • a good book to read and podcast to listen to.

We hope you enjoy.

Markets Update
Observations from October....
  • International equity markets endured a rollercoaster ride in October in a month that was steadily tracking higher until the US election noise and an increase in COVID-19 cases overwhelmed, leading to a broad sell off for the western world’s equities. Europe suffered immensely with Germany down 9.4% whilst it was business as usual for Asia with notable moves from Indonesia +5.3% and India +4.1%.
  • Natural gas spiked 33% as treacherous weather conditions in the Gulf of Mexico was poorly timed for the seasonally strong LNG demand the Northern hemisphere often experiences heading into winter. China have also recently introduced policies to tackle carbon emissions that appear widely supportive for natural gas demand akin to the short-term drivers.

3 Minute Tech
One of our core pillars at Entrust is education, and sharing our knowledge with our client community.

We are excited to introduce Episode 3 of our short video series, 3 Minute Tech, “How can I reduce the tax burden to my adult children”.
 
Our goal with these quick and to the point videos is to explain sometimes technically challenging topics in simple and easy to understand language.

Previous episodes:
Episode 1: "Who gets my super when I die"  
Episode 2: "How much tax do my beneficiaries pay?"

New episode:
Click here: “How can I reduce the tax burden to my adult children”
This 3 Minute Tech episode covers important issues. If you would like to discuss further please do not hesitate to contact us.
 

Focal Point
Decisions are part of every day life. But what happens if we cannot make decisions for ourselves due to illness or accident? Although an Enduring Power of Attorney can be used to manage financial and property assets, this does not extend to health and medical treatment.

In this month's "Focal Point" we explore additional legal documents which may allow effective decisions to be made while we are alive.

"Advance Health Directives and Enduring Powers of Guardianship"
Click Here to Read

Entrust Team Feature
Each month we provide an insight into our wonderful team. This month we are featuring Senior Investment Adviser and Director, Duncan MacKintosh. Excellent work Duncan!
Click Here to View
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We understand that referring Entrust to a family member or friend represents trust that the service we provide has an important role to play and that we can be relied upon to perform that role. We are grateful and thankful for these referrals.  

Please do not hesitate to forward this edition of "Monthly Musings" to those who you believe may benefit, or alternatively they are welcome to contact us. 
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Our "Podcast of Interest" for the month

The Howie Games with Mark Howard

Where the biggest names in the world of sport go one-on-one with sports journalist Mark Howard. From ultimate highs to tear-jerking lows, Howie lifts the lid on the real stories behind the headlines. He sits down with the biggest names in Australian & world sport, finding out how they started out, what makes them tick.

This podcast is available from wherever you access your favourite podcasts.

Our "Book of Interest" for the month

Shoe Dog by Phil Knight

In this candid and riveting memoir, for the first time ever, Nike founder and CEO Phil Knight shares the inside story of the company’s early days as an intrepid start-up and its evolution into one of the world’s most iconic, game-changing, and profitable brands. In 1962, fresh out of business school, Phil Knight borrowed $50.

 
That is it for this edition of the Monthly Musings, we hope you found it interesting with some useful information. 

Until next month,

Kind regards from all the team at Entrust
entrustwealth.com.au


Entrust Wealth Management Pty Ltd  ABN 80 100 088 168

Authorised to provide financial services  AFSL 222152

Level 18 Alluvion 58 Mounts Bay Road Perth WA 6000 

PO Box Z5034 Perth Western Australia 6831
 

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This publication has been compiled by Entrust Wealth Management Pty Ltd ABN 80 100 088 168 AFSL 222152 (Entrust).

This publication is current as at time of preparation. Past performance is not a reliable indicator of future performance. Any outlooks in this publication are predictive in character. Whilst every effort has been taken to ensure that the assumptions on which the outlooks given in this publication are based are reasonable, the outlooks may be based on incorrect assumptions or may not take into account known or unknown risks and uncertainties. The results ultimately achieved may differ materially from our outlooks. Material contained in this publication is an overview or summary only and it should not be considered a comprehensive statement on any matter nor relied upon as such. The information and any advice in this publication do not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. This publication may contain material provided directly by third parties and is given in good faith and has been derived from sources believed to be reliable but has not been independently verified. Entrust is not responsible for such material. To the maximum extent permitted by law: (a) no guarantee, representation or warranty is given that any information or advice in this publication is complete, accurate, up-to-date or fit for any purpose; and (b) neither Entrust, or its authorised representatives, is in any way liable to you (including for negligence) in respect of any reliance upon such information or advice. It is important that your personal circumstances are taken into account before making any financial decision and we recommend you seek detailed and specific advice from your adviser before acting on any information or advice in this publication. Any taxation position described in this publication is general and should only be used as a guide. It does not constitute tax advice and is based on current laws and our interpretation. You should consult a registered tax agent for specific tax advice on your circumstances.  For further information on any issue discussed in this publication, or on any financial matter, please contact your financial adviser.
 
 






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