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

Is How You Manage Your Money Aligned to Your Values?

Have you ever watched a hamster running in a wheel? All that running, all that effort, day after day after day … But the poor little thing never really gets anywhere.


Many of us feel the same way about our money.


More specifically, people feel that way about the work we do to get that money. We spend forty hours every week on a wheel, running after a paycheck. And then, first thing Monday morning, we’re back on the wheel, and the whole cycle starts over.


Many people just keep repeating this cycle, over and over, until they finally retire. They think that stepping off the wheel just isn’t an option because they have bills to pay, ongoing living expenses, and a dream to be “financially set” before retiring from work.


How much is enough?

These are all persuasive arguments that keep people on the wheel. And the hope is that someday, you’ll be able to stop running and enjoy the fruits of all that hard work.


Unfortunately, more often than not, “someday” never comes. There’s always another dollar to chase. But for what? Is having more and more money, in and of itself, something that you really value? Does having more make running on the wheel worth it?


The wind in your sails.

At the end of the day, your money is not the shore we’re sailing for. It’s not the sea you’re sailing on. It’s not even the boat you’re steering.


Your money is the sail. It’s the tool you use to get where you want to go.


And the wind in that sail is your values.


Just like a good sailor learns how to maneuver the sails to catch the most wind, aligning what’s most important to you with your financial resources is the key to successful financial planning.


So instead of asking yourself if you have enough money, or if you will run out of money, ask yourself a better question:


Am I managing my money in a way that’s improving my life?

I don’t want you just to “have enough money.” I want you to live the best life possible with the money you have.

That starts with:

  1. Thinking about what’s really important to you.
  2. The people whom you love.
  3. The causes that are dear to your heart.
  4. The activities that keep you feeling fit and full of energy.
  5. The hobbies that put your unique skills to their highest uses.
  6. The opportunities for learning and self-discovery that enrich your understanding of the world and of yourself.
  7. The wisdom that you will pass down to your children and grandchildren so that they live their best possible lives as well.

We believe that aligning your financial plan with these values is every bit as important as reviewing your superannuation or managing your investments. Come in and see how our interactive tools can you help plan for your whole life and get more from your money than just more money.

The team at Endorphin Wealth Management is happy to assist with helping 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

What’s Your Return on Life?

Are you managing your money in a way that improves your life?

Believe it or not, not everyone does – in fact many people do not. Our Return on Life Index asks you to assess 10 aspects of your life that relate to whether or not you are making progress.  Endorphin Wealth will identify areas where you can use your money more effectively to make things better in your financial planning. And, importantly, celebrate the areas where you’ve made progress.

The ROL index consists of 20 questions that are grouped into three categories: Well-Being, Progress, and Freedom.


Based on your responses, the ROL Index creates a measure of your financial life satisfaction. The results will have a profound effect on how you think about your financial planning and your life.


This profile is a self-reflective exercise that will help you see aspects of your life that are impacted by the financial decisions you make. Our goal is to help you ‘get the best life possible with the money you have.” The results will help us understand where to focus first.


We invite you to click on the link below and take 5 minutes to complete the ROL Index and receive your FREE personalized report. You might be surprised by the results!

We’d also be happy to setup an appointment with you to review all of our tools in greater detail and help you get started on your journey to a greater Return on Life. True Financial Planning where we place your life at the centre of the conversation and not your money.



Market Update- April 2020

The world economic situation continues to present uncertainty and challenges for investors as the infection and mortality rates of the COVID-19 virus develops at uneven trajectories across countries and regions. The chart below tracking the progress of new cases in the 10 most infected regions shows the epicentre of the virus now seems to have shifted from Europe to the United States, where the real-time impact of COVID-19 has been bought into stark relief last Friday, with labour market data figures showing 10 million people have applied over the past two weeks.


US fiscal support is slowly being rolled out, but it is increasingly clear more support is necessary where Europe, Asia and Australia manufacturing and services industries have effectively been
put on hold.

In Australia, wage support and debt relief helped sentiment and supported equity prices. The RBA’s bond buying measures helped keep rates low and the Australian dollar weak, helping cushion the economy somewhat. But the economic fallout is set to be significant and data through April is likely to start showing the impact on our retail, tourism and hospitality sectors

Overall the outlook for global markets is continued volatility, with earnings expectations having been revised lower while governments scramble to contain both the virus and economic fallout.

Below is a range of plausible outcomes for the markets in the coming years – further highlighting the importance of building resilient portfolios that are able to participate in the upside of a V-Shape Recovery, but also protect on the downside of a Depression.

We continue to monitor the ongoing market conditions as part of our wider operations. If you have any questions about your investments or the path that lays ahead, please get in contact with an advisor here at Endorphin Wealth.

Early access to superannuation

The Government is proposing to allow individuals affected by the impacts of the Coronavirus to access up to $10,000 of their superannuation in the 2019-20 financial year and a further $10,000 in the 2020-21 financial year.

While superannuation is intended to be saved for retirement, the Government recognises that for those significantly financially affected by the Coronavirus, accessing some of their superannuation today may outweigh the benefits of maintaining those savings until retirement.

Eligible individuals will be able to apply online through myGov to access up to $10,000 of their superannuation before 1 July 2020. They will also be able to access up to a further $10,000 from 1 July 2020 for approximately three months (exact timing will depend on the passage of the relevant legislation).

Am I Eligible?

To apply for early release you must satisfy any one or more of the following requirements:

  • You are unemployed


  • You are eligible to receive a:
    • job seeker payment,
    • youth allowance for jobseekers,
    • parenting payment (includes single and partnered payments),
    • special benefit,
    • farm household allowance


  • On or after 1 January 2020 you:
    • were made redundant,
    • your working hours were reduced by 20 per cent or more,
    • if you are a sole trader and your business was suspended or there was a reduction in your turnover of 20 per cent or more

People accessing their superannuation will not need to pay tax on amounts released and the money they withdraw will not affect Centrelink or Veterans’ Affairs payments.

How do I apply?

If you are eligible, you can apply directly to the ATO through the myGov website:

What is the process?

  1. You will need to certify that you meet the eligibility criteria.
  2. The ATO will process your application.
  3. After the ATO has processed your application, they will issue you with a determination.
  4. The ATO will also provide a copy of this determination to your superannuation fund, which will advise them to release your superannuation payment.
  5. Your fund will then make the payment to you, without you needing to apply to them directly.

When can I apply?

You will be able to apply for early release of your superannuation from mid-April 2020.

To ensure you receive your payment as soon as possible, you should ensure your super fund has your correct details, including your current bank account details and proof of identity documents. Please speak with your advisor if you are unsure about this

Further guidance will be available on the ATO website:

We continue to monitor the ongoing market conditions with regards to the growing escalation of the Coronavirus health crisis as part of our wider operations. If you have any questions about your investments or the path that lays ahead, please get in contact with an advisor here at Endorphin Wealth.

Market Volatility- March 2020

Since writing to you late last month we have seen continued volatility in financial markets, culminating in substantial drops in equity markets over the last few days. The steep falls have been caused by a combination of the coronavirus and reduced oil prices as a result of oversupply vs lower demand. There has also been a price war that has broken out amongst major players, Saudi Arabia and Russia.

While oil price shocks have a potential to rock markets and frequently have in the past, the latest development comes at a time of already high fragility for markets. The backdrop to the volatility, as we all are now all aware, is the uncertainty and disruption caused by the onset of the highly contagious new virus (now widely known as coronavirus COVID-19), which has taken hold in a number of countries.

The below chart highlights the number of cases identified in China and the remainder of the world from 22/1/2020.



What is the ‘oil crisis’ and why has it caused further market falls?

The catalyst for the steep falls early this week both domestically, and across international markets was that oil prices suffered a historic collapse after Saudi Arabia shocked the market by launching a price war against onetime ally Russia. The turmoil comes after the implosion of an alliance between OPEC and Russia, which had been restraining oil supply since the start of 2017 in an attempt to support prices.

In short, Russia refused to go along with OPEC’s proposal to rescue the coronavirus-battered oil market by further cutting production at a meeting in Vienna on Friday. The standoff left the oil industry shell-shocked and sparked a 10% plunge in oil prices Friday. Crude oil was already reducing because of a sharp drop in demand linked to the coronavirus outbreak.

Saudi Arabia escalated the situation further over the weekend. The kingdom slashed its April official selling prices by $6 to $8, according to analysts, in a bid to retake market share and heap pressure on Russia. US oil prices have since crashed as much as 34% to a four-year low of $27.34 a barrel as traders brace for Saudi Arabia to flood the market with crude in a bid to recapture market share.

There is also the risk of credit exposure to the oil sector could result in further write-offs if oversupply issues continue to keep a lid on oil prices. Our view is that lower demand will persist for years, thanks to the weakening outlook for China and Europe, while supply has been expanded by booming US shale production and stubbornly high Opec production.


Is the world headed for a recession?

Whilst the very term ‘recession’ invokes very negative feelings, one should remind ourselves this is simply a technical term economists use to describe two or more consecutive quarters of negative growth. The short answer is that, at the moment it is a complicated situation where no one really knows how far and deep the virus will spread and just how bad the disruption to the global economy will be, or how long it will last.

Therefore there needs to be a period for the market to resolve a lot of uncertainties that have emerged since we have learned more about the virus and its spread and the tendency for world media outlets is more alarmist that realist, increasing the risk the world ‘scares itself into recession’. The economic impact from developments already known (supply chain delays caused by factory shutdowns, lockdowns of major cities in China and abroad, the global halt of non-essential travel and impact on airlines and tourism, decline of retail spending across Asia) are very real and will dent economic growth this year and has increased likelihood of a recession.

Having said that there is an expectation for a coordinated Central Bank response, which may or may not be enough, depending on how much is thrown at it, and how long it takes for virus fears to dissipate.

It is important to note that with recent falls, uncertainty has caused markets to ‘price in a recession’ until it knows more. This situation creates opportunities for long-term investors who can see through the noise and focus on the relationship between Price and Value because ultimately, once uncertainties are resolved the market will reflect earnings and potential for growth in earnings.


Should I buy, hold, or sell?

There is no doubt Coronavirus represents major problems to overcome for the global economy, and the market reaction has been severe. What really matters however, is whether recent price changes is proportional to the worsening of fundamentals.

For clients who are already invested and have a long-term horizon, we recommend to hold as such market corrections are already accounted for when setting your long-term strategy, as risk rewards long-term investors.  We also remind investors that the cost of selling and buying in volatile markets means you will likely be behind compared to if you just held.

The chart below shows that since 1993 the ASX300 has provided a total return of 9.8%pa, whilst a common timing strategy (to sell after a 10% fall in the share market, and to buy back in after things calm down and rise 10%. ) would have returned 8.3%pa and a whopping 32% less wealth whilst buying and selling 18 times. Change that to a ‘down 5% sell, up 5% buy’ strategy and you would have received a 4.14%pa return and 76% less wealth, buying and selling 74 times (chart and analysis provided by Ophir Asset Management).

What lessons can we learn from the past?

In 2008, shortly after Lehman’s Brothers collapse an in the darkest hours of the financial crisis, Warren Buffet published an article entitled ‘Buy American. I am’. In the article, Warren started with describing the list of seemingly insurmountable problems for the US economy including unemployment, faltering business activity and white-knuckle headlines. He also described how he had been buying stocks.

This is not about how he timed the market recovery to perfection but rather about how he did not – stocks continued to fall another 26% before the start of the next Bull market six months later. However, the market is still up 227% since that article was published up to last Friday.

We continue to monitor the ongoing market conditions as part of our wider operations. If you have any questions about your investments or the path that lays ahead, please get in contact with an advisor here at Endorphin Wealth.

Market Volatility- February 2020

After a strong 2019 in terms of returns, stock markets are adjusting to risks in the global economy, and in particular over the past few days, risks to the global economy posed by the Coronavirus (COVID-19) which up until last week, had been somewhat downplayed by markets.

Below we answer some questions our clients may be asking in relation to their investment portfolios:

  1. What has changed in the past few days?

It boils down to fears Coronavirus will become a pandemic, and the World Health Organisation (WHO), while resisting calls to call a pandemic already, has stated countries should be “in a phase of preparedness”. The key factor for markets is uncertainty, that is, we don’t yet know how severe it will be, nor do we know if the virus will spread to all continents, but it’s already spreading widely in China (death toll 2,663, total mainland cases at 77,658), South Korea, Italy, Iran and elsewhere — and thousands of undetected and infectious patients have been and continue to travel around the world.

  1. What is a Pandemic?

WHO states a pandemic is declared when a new disease for which people do not have immunity spreads around the world beyond expectations. There needs to be a second wave of infection from person to person throughout the community. In the US, the UK and Australia, there is no active community transmission at present. Once a pandemic is declared, it becomes more likely that community spread will eventually happen, and governments and health systems need to ensure they are prepared for this.

  1. What has been the effect on Markets so far?

Stocks have reduced slightly across the globe and bond prices have risen as worries mounted in the market over the virus. Industries directly affected have moved the most, for example, Airline and Travel providers. In the world’s largest market – U.S. stocks tumbled to an almost 12-week low on rising concern Coronavirus will upend global supply chains critical to economic growth.

Locally, the ASX 200 has erased the impressive gains it has made so far this year ending up where we were at the end of December and is currently trading at 6,736 at the time of writing. To put this in perspective, the ASX 200 returned 23.8% year to 31 Dec 2019 and the S&P500 (US market) returned around 33%.

  1. What should investors do?

The recent turbulence is a reminder of the types of market risks for which investors are compensated for over the long-term, and Endorphin believes investors that are able to see through the noise and stay committed to their long-term strategy will best weather the storm as markets resolve uncertainties and recover over time.

Considering the significant outperformance of equity markets over the course of the last year, it is not surprising to see a pull back in the face of growing uncertainties and we do not expect this to subside for a few months. US elections are then picking up pace and this will no doubt lead to more uncertainty and volatility ahead. We remind investors that such uncertainty is the flip-side to good returns from risk assets over time.

  1. Looking ahead!

While there has always been a strong focus on ‘Investment Governance’ (the structures and inputs that supports our decision making) at Endorphin Wealth, we have recently made the decision to strengthen our Investment decision making capabilities further by appointing an Advisory Investment Consultant to our Investment and Portfolio Construction Committees. Oreana ( has operations across Asia and Australia and has been selected on the strength of their macro views and insights on the global economy, particularly Asia, which is a major focus and source of returns for Australian investors. In this role. Oreana, lead by Dr. Isaac Poole (former Chief Economist, NSW Treasury) will be delivering asset allocation and portfolio construction advice to improve portfolio outcomes and returns for Endorphin Wealth clients.

If you have any questions about your investments or the path that lays ahead, please get in contact with an advisor here at Endorphin Wealth.

Keeping An Optimistic Mindset Contributes To Achieving Sound Financial Wellness

Today we look at a topic that really resonates with our culture at Endorphin – Optimism. We love to see the glass as half full, every cloud having a silver lining and of course living above the line.



Have you ever joined the dots between positive thinking and your financial habits?

Optimism doesn’t translate as ignoring the real world. Rather, optimism is defined as the expectation of good things yet to happen coupled with the belief that behavior matters, especially during times of challenging turbulence. A rational optimist can see reality for what it is, while still believing good financial habits can improve their financial position.

These days we define our health and wellness quite broadly. We’ve come to embrace mental health, social engagement and financial well-being in our definitions of good health.


Optimism Delivers Superior Financial Benefits

A recent study Mind Over Money in the U.S. by Frost Bank, in conjunction with FleishmanHillard connected the link between financial well-being and an optimistic mindset.

If you doubted the financial benefits of positive thinking, the study found people who classify themselves as optimists enjoy 62 percent fewer days of financial stress per year compared to pessimists.

Optimism was also associated with an increase in a respondent’s financial well-being. Greater optimism, after controlling for skills, income, wealth and other demographic factors, related to superior financial habits.


A Catalyst For Improved Financial Health

Believing our challenges in life are temporary rather than permanent enables us to be inspired to adopt meaningful financial habits that contribute to financial improvement.

Optimism can act as a catalyst for improved physical, emotional and financial health. The study found respondents wanted more optimism in their lives.

One potential remedy to the stress endemic to our busy lifestyles is nurturing an optimistic perspective. When it comes to financial strategy, the study shows optimists are better placed to adopt a savvy approach and enjoy the financial benefits of their investment strategy.


Optimism Enhances Financial Agility

The research indicates optimists were substantially likely to enjoy superior financial wellbeing compared to pessimists. Moreover, optimists were more likely to adopt better financial habits in managing their money. Roughly 90 percent of optimists in the study saved for a significant purchase, be it a car, a house or an overseas trip compared to pessimists at just 70 percent.

Some 66 percent of optimists had an emergency fund, compared to fewer than half the pessimists. Moreover, optimists appear to be more active in seeking out and following counsel from a trusted source.


Optimism Fuels Your Career

Optimism also appears to be a sage investment beyond personal finance. Optimists seem to do better in their careers than pessimists.

These Work Optimists are 40 percent more likely to receive a promotion in the coming twelve months, five times less likely to experience burnout than pessimists and up to six times more predisposed to displaying high levels of engagement in their workplace.


Final Observation

Optimism is a lucrative investment for professionals. Positive thinking together with sound financial habits can unleash your inner optimism and help you take back those 145 stress-free days each year lost to pessimism while fuelling your sense of happiness and work success.

The team at Endorphin Wealth Management is happy to assist with helping you achieve a positive outlook on your financial situation from a financial planning perspective.

For an obligation free discussion, call us on 03 9190 8964, or schedule a meeting at


Guest Blog: Melbourne’s Vacancy Rates For Investment Properties

For this week, we’d like to welcome a special guest blogger – Lee Buoy from Melbourne Real Estate as she shares her insights on Melbourne’s Vacancy Rates For Investment Properties.

Melbourne Real Estate strives to continually improve and develop our services. Reaching out to our landlords and getting to know their greatest concerns and needs regarding their investment property is one of the most valuable ways for us to gain feedback.

You can see the most common responses to 3 key questions in our recent landlord survey in the charts below:

·         What do you value most in a property manager?

·         What are your fears, frustrations, and anxieties (if any) in relation to your investment property?

·         What are your wants, needs, and hopes (if any) in relation to your investment property?

Ranked as a top concern for landlords is VACANCY, closely followed by the want for their investment property to have NO VACANCY.

This feedback is more than just a reflection of the concerns experienced by Melbourne Real Estate’s clients, it is a sentiment felt by almost anyone who owns an investment property.

At Melbourne Real Estate, our vacancy rates have outperformed the market on a consistent basis. Whilst I can’t predict the future, I can assure you we have no plans on slowing down.

The Real Estate Institute of Victoria (REIV) has released their latest stats, suggesting vacancy rate for inner city Melbourne have fluctuated between 1.8% – 2.1% for the past year (2019). Throughout 2019, MRE has maintained an average vacancy rate of 0.82%, never exceeding 1.09%. Considering the number of properties we manage (3521), we’re pretty stoked with these figures!

Supporting article relating to vacancy rates from can be found here:


Comprehensive analytics and research

Endorphin Wealth Management invests a great deal of time and effort researching the best investment strategies for our clients. We have developed a number of systems to manage and track the marketplace.

The investment landscape always evolves and it is more important than ever to consider your investments and carefully. We pride ourselves on being experts in researching opportunities, investments, and strategies that fit in with your goals. We want our clients to get on with enjoying their life rather than worrying about money.

For an obligation-free conversation about your financial future, please contact us on 03 9190 8964 or at

Endorphin Wealth welcomes Husnia Noori

We’re very excited to announce that Endorphin Wealth has expanded the team in Melbourne – welcoming Husnia Noori.

Husnia has completed her Bachelor of Commerce (Financial Planning & Finance) and has brought a great energy to the team in her short time with us.

She has commenced in our Support Team and is looking forward to developing her skill set and working with her own clients in the near future.


Husnia Noori: