Endorphin Lifestyle – Winter Coats

At Endorphin, nothing pleases us more than seeing our clients living happy, successful and confident lifestyles. There is nothing quite like a good winter coat to have you feeling and looking good.

It will come as no surprise to you that winter is well and truly upon us. Families are heading away for weekend trips to the ski slopes, whilst others find cosy wine bars and cafes or hibernate at home with the thermostat up.

We thought we would take the opportunity to highlight a couple of local fashion brands that have caught our attention. They’ve found an impressive balance between aesthetics and functionality, and could be a valuable addition to any wardrobe.

We hope that you find some inspiration from these local companies and make time to get out and enjoy the second half of winter!

Godwin Charli

http://godwincharli.com/ ($419 – $559)

Australian Fashion brand Godwin Charli, Melbourne born with an international edge. Designed by our Creative Director, Godwin Hili. Incorporating winter garments and trans-seasonal outerwear for the modern man and woman. Perhaps pop down and check it out for yourself at one of their Melbourne based stores:

Emporium Store: Level 2, 287 Lonsdale Street, Melbourne
CBD Store: 194 Little Collins Street, Melbourne
South Yarra Store: 457 Chapel St, South Yarra
Richmond Store: 154 Bridge Road, Richmond

Oscar Hunt Tailors

https://www.oscarhunt.com.au/ ($995 – $1,450)

We personally know one of the founders Chris Edwards who teamed up with classmate Matthew Perolli to create two stunning tailoring showrooms in Melbourne and Sydney. Established in 2010, Oscar Hunt uses traditional methods to create your own distinct style. Their website details their attention to detail and their focus on their clients:

“We are all about the relationship between tailor and client, working together to make sure each client becomes a suit connoisseur in his own right. We never compromise on our approach to style, and we know that style is based on classic beauty.We learn from maestros and mavericks, not magazines.”

You can find Oscar Hunt at:

Melbourne: Level 3, 43 Hardware Lane, Melbourne
Sydney: Level 2, 73 York St, Sydney

Emerging Markets

Emerging Markets - Shanghai

Emerging Markets Beyond 2016

Globalisation has brought many advantages to our modern way of life and we seem to have the whole world at our fingertips. In the same way we have seamless access to fashion from New York or books from London, we are also able to research and invest in companies from the Emerging Markets in the farthest reaches of the globe.

The global research provider MSCI, has classified global economies into three markets: Developed, Emerging and Frontier. The classifications are based on:

+ The sustainability of the country’s economic development,

+ The number of companies within the country that meet certain size and liquidity requirements, and

+ How accessible the country’s markets are including openness to foreign ownership and how easily capital can flow in and out of the country.

You’ll be quite familiar with Developed Economies, however there are opportunities presenting themselves in Emerging Markets that are projected to contribute more than 65% of global growth between now and 2030[1].

Did you know:

+ Eight out of ten of the world’s largest cities are in emerging economies[1]

+ In 2010, annual consumption in Emerging Markets was less than a third of the world’s total consumption. By 2025, it is expected to grow to nearly half the global total[2]

+ By 2020, a further one billion unique mobile subscribers will be added globally with the vast majority coming from emerging economies[3]

+ The growth population and social classes in Emerging Markets leads to billions of dollars being spent each year by governments on infrastructure projects

All of these figures highlight the growth potential in these countries, which in turn leads to opportunities for the companies that can provide them with products and services.


Investors will seek out these companies for the prospect of higher returns due to the increased growth rate within the countries. They will need to have an appetite for some increased risk however, due to less stable governance with domestic infrastructure issues within the countries leading to increased volatility.

We regularly provide financial advice to clients wishing to diversify their portfolio by gaining exposure to global Emerging Markets. We are currently seeing very attractive valuations of companies within these markets such as:

     + Yum! Brands – 6,000 KFC, Pizza Hut and Taco Bell outlets in China

     + Sun Hung Kai Properties – A major property developer in Hong Kong

     + Bharti Airtel and China Mobile – Poised to benefit from increased mobile phone subscribers

We pride ourselves on being experts in researching opportunities and recommending quality companies that fit in with our client’s investment objectives and retirement plans.

For an obligation free conversation about your financial future, please contact us on 03 9603 0072 or at advice@endorphinwealth.com.au

Phillip Richards

Director and Wealth Advisor

Endorphin Wealth Management

Phillip Richards is a qualified Financial Advisor with more than nine years experience in the industry. His expertise in investment, superannuation, SMSF, retirement planning and insurance will help you assess your options to build your wealth. Contact Phillip today to discuss how you can build your own wealth and plan to reach your goals.

This information is general in nature and does not take your personal situation into account. If you are interested in taking control of your wealth, contact Endorphin Wealth Management.

[1] Euromonitor International, September 2015 – http://www.euromonitor.com/

[2] Demographia World Urban Areas, April 2016 – http://www.demographia.com/db-worldua.pdf

[3] McKinsey Global Institute, October 2013 – http://www.mckinsey.com/mgi/our-research

[4] GSMA, February 2016 – http://www.gsmamobileeconomy.com/2016/global/

Brexit Update

As we’re sure you are aware Britain has voted to leave the European Union. Despite the general consensus that they would stay, this has surprised the markets and we have seen a fair bit of volatility on the local market, whilst Europe and the Britain’s markets have been hit very hard.

The main areas of consideration for British citizens were tabled as:

* The current free immigration policy seeing up to 500 people per day moving to the U.K. from mainly Europe (impacting job’s and welfare payments)

* Approximately $1bn in fees paid each year by the UK to the European Union for membership

* 40% of the U.K.’s current exports going to Europe which will result in many existing trade deals to be re-negotiated

It is important that we put Britain’s vote to leave the European Union in perspective – the U.K. is less than 4 per cent of global gross domestic product and accounts for only 2.7% of Australia’s exports. A small number of ASX listed companies that generate revenue in British pounds or who have assets in the U.K. will see some volatility, however the overall impact in Australia will be subdued.

Investors should be aware that the fear of the unknown is often far worse than any of the outcomes that can actually play out. Officials from the Reserve Bank of Australia advise, that while the outcome is terrible news for Britain and to a lesser extent the European Union, the economic impact will be more muted across the rest of the world and particularly in Asia, where Australia’s fortunes are more closely aligned.

For an obligation free conversation about your financial future, please contact us on 03 9603 0072 or at advice@endorphinwealth.com.au

Phillip Richards

Director and Wealth Advisor

Endorphin Wealth Management

Phillip Richards is a qualified Financial Advisor with more than seven years’ experience in the industry. His expertise in investment, debt management, retirement planning and insurance will help you assess your options to build your wealth. Contact Phillip today to discuss how you can build your own wealth and plan to reach your goals.

This information is general in nature and does not take your personal situation into account. If you are interested in taking control of your wealth, contact Endorphin Wealth Management.