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Endorphin Wealth Investment Update Webinar

Endorphin Wealth in partnership with Oreana Portfolio Advisory Services is pleased to invite you to an Investment Update on Friday 19 March between 11.30am and 12.30pm via webinar.

 

About the Webinar

You will hear from 2 professional fund managers, T.Rowe Price and Pendal Group, to gain insights into how they manage portfolios and find the right investment opportunities.

 

About Sam Ruiz (Portfolio Specialist) and T.Rowe Price

Sam Ruiz is a portfolio specialist in the equity division and Vice President of T.Rowe Price Australia, and holds a bachelor of applied finance from the University of South Australia

His investment experience began in 2008 and he has been with T.Rowe Price since 2020. Prior to this he was employed by Macquarie Investment Management.

T.Rowe Price is an independent investment management firm focused on helping clients meet their objectives and achieve their long term financial goals. Their global client base includes many of the world’s leading corporations, foundations and financial intermediaries.

For more information, visit https://www.troweprice.com/content/tpd/au/en/bios/sam-ruiz.html#

 

About Chris Adams (Portfolio Specialist) and Pendal Group

Drawing on over 20 years’ experience in global equities, Chris Adams provides key insights from Pendal Group’s investment teams across Australian and International equities.

Prior to joining Pendal Group in 2014, he spent 8 years as a portfolio specialist with Blackrock & HSBC Global Asset Management, based in Hong Kong. For the last 7 years he has been working with Pendal’s Australian equity team.

Pendal Group is an independent, global investment management business focussed on delivering superior returns for their clients. With $97.4bn in funds under management, Pendal is one of Australia’s largest investment managers.

For more information, visit https://www.pendalgroup.com/about/our-people/?t=chris-adams

 

Webinar Access

The webinar will be delivered via Zoom, please register for the session HERE

We hope you can join the session on Friday 19 March between 11.30am and 12.30pm. As we all get busy we will also send a reminder note a few days prior to assist.

Regards,
The Team at Endorphin Wealth

Ethical Investing For Your Financial Future

Ethical investing is being driven by the growing awareness and acceptance of climate changereducing water sources and other sustainable issues. As such, there has been a significant shift over the past decade in investor preferences towards ethical investing. This trend has been seen across all types of investing, including managed funds, development projects and other sectors such as R&D 

Ethical investing does not lead to lower returns

Ethical investment options are increasing in number as well as in profitability. Millennials have been observed as the group who is pushing the strongest towards responsible investing. They will make up most of the workforce in Australia in the next couple of decades. As time passes, they will gain more influence in market movements and project developments.  

There is a misconception that an investor gives up some of their returns when ethically investing. This is not true. Returns on ethically invested share funds over the decade have produced an average return greater than 6% per annum (up to 2018). See here for a list of high-performing ethical investment funds. One reason for this is that countries are shifting to more environmentally friendly and renewable solutions. As this occurs, ethical companies are able to gain access to more projects which allows them to make more revenue.

Sectors are moving towards being more ethical

Lately, housing development has been placing greater emphasis on its impact on the social community. Investors are looking at contributing to the community and avoiding creating problems. As a result, developers have shifted towards creating projects that consider these preferences. Similarly in R&D, technology and other sectors, sustainable and ethical incentives are driving the industry. In developing and emerging markets there is a growing acceptance of this fact.  

Ethical practices undertaken by these developers and companies are often well ahead of their regulatory bodies. As regulations change or become more ethically centralised, these companies do not have to adapt as much as other companies. Therefore, this shows the value of proactive business strategies. As such, this makes them more profitable in the long run too.  

But what does this mean for you? Nothing, or everything! Your investment preferences are your own. It is important though to know that having ethical preferences does not limit your returns. Our team at Endorphin Wealth are here to help assist you achieve your lifestyle and financial goals. We ensure that you are happy with where your wealth is invested. Feel free to contact one of our advisors who can help work with you to achieve this.   

The team at Endorphin Wealth Management is here to help you achieve a positive outlook on your financial situation.

For an obligation free discussion, call us on 03 9190 8964, or schedule a meeting at endorphinwealth.com.au/contact/

Moving through a separation with confidence

There is a pervasive myth that financial advisors only become involved in a separation after settlement. At Endorphin Wealth, our financial advisors become involved in the divorce process very early on. We’re on our client’s team, working collaboratively with their lawyer, accountant, and any other professionals.

 

An advisor can help balance the scales

Family lawyers will advise you to talk about your assets early on in the divorce process. Unfortunately, one common scenario that Endorphin Wealth financial advisors come across is that one partner may end up in the dark regarding their financial situation. This may occur if one partner is a high-income earner while the other partner is responsible for domestic duties. When divorce proceedings are commenced, often these partners find themselves having to become financially literate in a very short period of time; this is where a financial planner can help.

 

MoneySmart has collated some recommendations for first steps to take when you separate from a partner or spouse. Even if it is just a short-term arrangement, it is important to address practical matters such as who will live in the family home and where the other person will live. You also need to change paying your shared expenses, and what to do with joint accounts. Together, you can do a “financial stock-take” where you list and value your assets. This includes your home, car, furniture, superannuation, investments and joint debts for your financial planner to consider.

 

Worrying about your finances can be a big burden. By having these measures in place as soon as possible will allow you to feel secure enough to consider your next stage in life. It also allows the team at Endorphin Wealth to help you at the best of their ability if you have already taken stock-take of your financial situation and started considering your future goals.

 

Our approach to a separation

From the outset, Endorphin Wealth will encourage you to consider how you want your life to look after your separation. As with all important choices, you need to consider what is important to you as an individual. Even in tough times, you must balance pragmatism and emotion in your financial decisions. It is important not to rush out and make rash decisions such as purchasing a new apartment until the divorce is settled – particularly if you don’t know what level of income you are going to have after your divorce.

 

At Endorphin Wealth, we want to help you with your financial journey through the good and more challenging times. As soon as divorce proceedings commence, we want to become part of your team and help you achieve the fairest result. We will assist you in moving forward after a separation with confidence.

 

The team at Endorphin Wealth Management is here to help you achieve a positive outlook on your financial situation.

For an obligation free discussion, call us on 03 9190 8964, or schedule a meeting at endorphinwealth.com.au/contact/