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Need help growing your super nest egg?

When it comes to your super, we know it’s easy to set and forget.

However, accessing your fund and choosing a suitable strategy is important to ensure you meet your retirement aspirations.

Statewide Super Accredited Advisers

The good news is The Hopkins Group are now accredited financial advisers for Statewide Super. A fund recently ranked second in Australia’s list of top performing super funds.

From the five years since its inception, their Statewide MySuper Growth product has delivered annual returns of 10.74 per cent for it’s 149,000 plus members.

Why should you speak to us?

The Hopkins Group have accredited and fully licenced financial planners who can help explore your options for investments, contributions, and more.

Reviewing your insurance, nominating your beneficiaries and checking in with how your super is performing should be practiced if you want to guarantee your super is working as hard as you.

Industry super funds have continued to outperform bank-owned and other retail funds over a one, three, five and ten-year period. According to data available via SuperRatings, the median return for bank-owned super funds sits at 8.13 per cent, compared to 9.4 per cent for profit-for-member organisations.

How can you contact us?

For general questions about your super or to find out if Statewide Super is right for you, request an appointment with one of our financial advisers, or call us on 1300 726 082 today.


John Hopkins Financial Services Pty Ltd is a Corporate Authorised Representatives of WealthSure Financial Services Pty Ltd Level 1 190 Stirling Street PERTH WA 6000 ACN:130 288 578 AFSL:326450.

General Advice Warning: This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

Last week’s US stock market drop

What’s happening with the stock market?

US equity markets have been resilient to rising trade tensions however last week we saw stocks have their worst day in eight months.

The magnitude of the decline was not normal but the fluctuations we have been seeing across financial markets fits squarely into the narrative that markets are simply transitioning from an environment of ultra-easy monetary policy to an environment where markets must stand on their own fundamentals.

What does this mean for you?

We need to keep the recent weakness and volatility in perspective.

FAANG stocks hit their highs over three months ago and US Semiconductors two months before that. The rotation away from tech and early cycle cyclicals and into more defensive areas of equity markets has also been underway for months and this is no better illustrated than in the relative performance between US versus emerging market (EM) equities. Increased price volatility is normal course for a bull market which is mature and global monetary policy which is transitioning to a less favourable setting. While we don’t expect to continue to see 3% sell-off days as the normal course, we do expect to see a continuation in volatility as sentiment swings between optimism and pessimism and as investors continue to evaluate the robustness of fundamentals into a weaker tailwind from easy monetary policy.

It is also important to note that the Australian market has not seen the same decline that the US has seen this past week – while somewhat reactive to the US falls, our market drops remain modest and consistent with expectations.

What should my strategy be going forward?

We continue to believe that what we are seeing is quite normal (daily price moves like this week are expected). The current stage of the cycle and the near to-medium term outlook supports an investment strategy that reduces risk and adding protection/insurance rather than abandoning risk altogether. Your financial adviser will be in a position to best advise on specific investment strategies as they relate to your personal circumstances, however an overview of some recommendations include:

Equities vs bonds: Equities have historically delivered higher returns than bonds and this trend will continue up until the point where either interest rates enter restrictive territory, the pace of rate hikes surprise on the upside or higher rates begin to undermine economic momentum.

Remain weighted towards areas with strong fundamentals rather than chasing oversold assets: We stick to quality growth assets and areas where fundamentals remain strong and risks low. We continue with our US overweight and EM underweight despite potential for a short term EM rebound and concerns around US equities being expensive. Australian equities are fairly priced but lack earnings growth upside.

Raise insurance/protection against downside risks but don’t go defensive yet: The economic cycle remains intact but downside risks are rising. This calls for greater levels of insurance, not abandoning risk. Insurance comes in the form of exposure to assets with a low correlation to both bonds and equities. We recommend exposure to alternatives investments and real assets (i.e. infrastructure).

Avoid areas exposed to higher interest rates and which have limited earnings growth offset. Minimise simple bond proxy exposure where there is little offset either from stronger earnings growth and/or yield support. Historically REITs have been the worst performing sector into rising bond yields. There is limited scope for outperformance when rate risk is elevated. We prefer yield in areas which are priced for yield delivery rather than for growth.

Where can I learn more?

For more information on the US stock market drop and for tailored advice, call us on 1300 726 082 and ask to speak to a financial adviser.

General Advice Warning: This blog may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. It is important that you consider your own situation before acting on any information contained in this blog. Please seek personal financial advice prior to acting on this information.

Disclaimer: Shane Light is an Authorised Representative and John Hopkins Financial Services Pty Ltd is a Corporate Representative of WealthSure Financial Services Pty Ltd Level 1 190 Stirling Street PERTH WA 6000 ACN:130 288 578 AFSL: 326450.

Getting started with property development

Have you ever passed a property development in your neighbourhood and thought to yourself ‘I could do this’? Or perhaps one of your friends has undertaken a development and you think you’re just as capable as them? Despite popular belief, developing property is a serious endeavour; it’s not for the faint hearted. But given the right foundations, it’s an incredibly rewarding opportunity.

The first step to property development is understanding where to start. There’s preparation that needs to be done, decisions to be made, people to contact and money to spend. Fundamentally, you need to understand the different approaches you can take when it comes to developing property. It’s crucially important to kick off from a point that suits your availability, finance, abilities and experience in order to achieve your goals.

The hands-on approach

If you think the hands-on approach is up your alley, you’ll need to wrap your head around a lot more than you think. Before taking any steps, you must educate yourself on property. This includes the markets, economics, town planning, finances, marketing of real estate, construction processes and more.

You also need to recognise and understand the roles of each party involved in the development. Some of these parties include:

  • Accountants
  • Solicitors
  • Banks and/or finance brokers
  • Insurance brokers
  • Real estate agents
  • Project managers
  • Architects
  • Interior designers
  • Town planners and council planning
  • Arborists
  • Land, geotechnical and quantity surveyors
  • Neighbours
  • VCAT
  • Builders and building surveyors
  • Project marketers/advertisers

Considering all the people you will be in contact with regularly, strong interpersonal and negotiating skills are a great asset to have.

Taking on a development endeavour on your own is not an easy process, in fact, it’s far from it. If you have little experience in property development, this is not the option for you.

Joint venture

If the hands-on approach sounds enticing, but investing alone doesn’t, entering a joint venture with one or more partners may be the option for you. Be it with family, friends or a co-worker, joint ventures allow you to split the workload, share in the risks and rewards, and combine your resources and experience.

Employ a project manager

With a project manager, you can involve yourself in the development project to the extent that suits you. That being said, you’re employing someone to rely on – they’ve got the reigns. You may or may not like that concept, but there are obvious benefits that come with a project manager; their connections, experience and understanding of the entire process.

Invest in a syndicate or managed investment scheme

If you’re interested in property development, but don’t have the funds to take on an investment alone or among friends, you might’ve looked into investing in a syndicate. Syndicates are groups of investors who need additional capital and resources to undertake their development schemes. They will manage the development and organise the requisite expertise while you sit back and share in the financial risk.

Syndicates get you into the market faster and your risk is diversified. It is more of a passive form of property development and this means you’ll have less control over the process.

Buy shares in a development company

Buying shares in a publicly listed or a private company would be considered the most passive form of property development. It’s a great way to get a peek into the world of development without investing much time into a project.

How we can help

Engaging with a company like The Hopkins Group gives you the opportunity to be involved in the property development process, with the benefit of having a trusted adviser on your side. It combines a bit of each of the methods above to give you comfort in the process.

The Hopkins Group has developed an end-to-end solution to guide you in the development journey – from financial feasibility and site acquisition, right through to build and end sale or ongoing property management.

With nearly 40 years of experience in financial services and property investment, our job is to reduce the risk of being a property developer.

The strength of working with us is that we keep it all in-house and can manage the project for you from start to finish, unlike other service providers who will tap in and out depending on their area of expertise. Our team includes advisers with experience in town planning, design, financial planning, accounting, finance and property acquisition, sub-division and construction. You can have peace of mind knowing we’ll take the stress out of the planning process and explain the details along the way.

We have broken down the complicated process of property development and simplified it into six key stages.

  • Feasibility
  • Design
  • Planning application
  • Build
  • Settlement
  • Return on investment

We have also developed a stringent due diligence process to ascertain whether or not a venture will provide a return on its investment. We want the best for our clients, and will only recommend purchasing a site and proceeding with a development based on certain criteria.

What’s the first step?

As professional advisers, the most important role we can play is to make sure any of your ideas or proposed ventures are financially viable. We can meet with you and discuss your goals and objectives and align them next to your current financial situation. Get in touch with our team today on 1300 726 082 to discuss your property development dreams.

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The Hopkins Group

Street Address

Level 23, 500 Collins Street, Melbourne, VIC 3001

Postal Address

GPO Box 4347, Melbourne, VIC 3001

Office Hours

8:30am - 5:00pmMonday - Friday (after hours by appointment)
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