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![]() Scott Keefer - ArticlesScott Keefer is the General Manager of A Clear Direction Financial Planning and has been a partner in the business since January 2007. He has completed a number of degrees related to financial management including a Masters of Financial Planning and Bachelor of Commerce. He also holds a Graduate Diploma of Education. Scott is currently a candidate in the Chartered Financial Analyst (CFA) program.
He is an Authorised Representative of FYG Planners Pty Ltd, Australian Financial Services License 224 543. Prior to joining the business, Scott was involved in secondary education where he held middle management positions in schools in Brisbane and Jakarta, Indonesia. Part of these experiences involved teaching Indonesian students about Business Management and Economics principles as relate to the Australian context. Scott is a co-author of the book 'It's Time You Knew the Truth: Building Investment Portfolios That Work' and ‘A Clear Direction – Your Guide to Being a Successful CEO of Your Life’. He has a passion to work with people at all stages of the financial planning process helping them to build successful financial solutions through well structured investment portfolios. Structuring your portfolio to be well placed for the time taken for recoveryInvesting in equities since November 2007 in Australia has been difficult. Many investors are now asking how long might it take for a recovery to new highs take when markets begin to return. This article looks at that question and suggests how to look at the question of asset allocation in this context. Pessimism About Dividends & Australian Share Investment Needs To Be ContainedA key benefit from investing in shares is receiving the dividend income. In Australia these dividends are particularly lucrative due to the tax benefits they provide investors. Unfortunately, the level of future dividend payments is in question due to the tough conditions being faced by many companies. This article looks at this topic and shows there is some reason to be less pessimistic about future dividend payment rates. An Alternative to Sitting Tight Holding Cash InvestmentsLast week’s interest rate cute by the Reserve Bank of Australia has made investment choices that little bit more difficult for investors who are predominantly invested in cash. The yield from Australian shares going forward is looking pretty attractive. What to Do With Your $950 Tax Bonus Payment?The latest Australian Federal Government Stimulus Package provides some interesting financial planning strategies for individuals. In particular the payment of up to $950 to everyone earning less that $100,000 provides a number of opportunities to be considered. Is the Beginning of 2009 the Time to Change to a More Conservative Super Investment Allocation?Is the start of a new year a good time to reconsider your superannuation investment choice? This article looks at the issues you should consider when making this decision. The Problem With Active Management & a Lack of Diversification - Lessons From the Brisbane LionsThe Brisbane Lions (Australian Football League club) have provided a useful case study of how an active management approach coupled with a lack of diversification leads to an unsuccessful investment outcome. Should I Still be Holding on to My Equity Investments?The current investment market conditions are unnerving to all concerned. It is a fair question to be asking whether it is time to bail out. The following looks at a recent item published on the FundAdvice.com website regarding this issue. Cash - Safe But not KingThe government's move to guarantee cash deposits in Australia has persuaded manyinvestors to move more of their holdings into cash. Unfortunately the returns from cash are starting to fall and there may be better alternatives for buy and hold long term investors. Beware the Share VulturesThe huge amounts of fear being expereinced by investors in equity markets attracts some less than scrupulous characters to prey on those fears. In this article Scott warns about a specific example in the Australian context. Is a Self Managed Super Fund for You?The current market turmoil will most likely have a few superannuants in Australia contempleting whether they should be setting up a Self Managed Superannuation Fund. This article provides a perspective on this issue from an independent advisor based in Brisbane.
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