As we look to the coming year, the investment landscape presents both promising opportunities and potential challenges. At THG, we aim to provide our clients with the insights needed to make informed decisions, ensuring their portfolios are positioned for sustainable growth while effectively managing risk.

Strong Market Performance and Managing Expectations

Over the past year, markets have delivered impressive returns, with many portfolios benefiting from the post-pandemic recovery. However, this strong performance has sparked an air of optimism that may not be sustainable. While growth is expected to continue in the short term, it’s essential to recognise that volatility is inherent in the markets. Maintaining a realistic outlook is crucial, as past performance may not guarantee future results.

The Influence of Global Events and Technological Shifts

Recent political developments, such as the election of Donald Trump, have had an immediate impact on markets, with a notable boost to the US economy. Yet, these market movements, while significant, are often short-lived, and it’s vital to approach such shifts with caution.

In parallel, technological innovations—particularly in artificial intelligence—are generating excitement across industries. While the potential for growth in these sectors is substantial, returns are yet to match the high expectations that equity prices suggest. The pace of market enthusiasm may outstrip the actual capital returns, requiring a measured approach to investment in emerging technologies.

Proactive Risk Management

Given the volatile nature of the markets, risk management remains a top priority. While recent market conditions have been positive, downturns are inevitable. It’s natural for investors to feel uneasy during these times, but it’s important to remember that these fluctuations are part of the cycle.

At THG, we employ a proactive risk management strategy, focusing on building portfolios that can withstand market downturns. By carefully selecting quality assets and using active management techniques, we help minimise the impact of negative market movements on client portfolios. This approach ensures that when the market faces a correction, clients experience a less significant impact compared to the broader market.

Taking a Long-Term View

Despite the inevitable ups and downs of the market, our approach is always centred on the long-term. At THG, we prioritise sustainable growth by actively managing portfolios to minimise exposure to volatility while capitalising on market opportunities. This strategy helps ensure that, even in challenging times, our clients’ investments remain on track to achieve their long-term goals.

Looking Ahead: Stay Informed, Stay Prepared

As we move into the next 12 months, it’s essential to stay informed and prepared for the risks and rewards ahead. With a focus on strategic risk management, asset quality, and long-term growth, THG is committed to guiding clients through any uncertainties that may arise.

Contact us

If you have question about your investment portfolios, or if you’re concern about the status in currency, please contact your THG financial advisor or book a 15-minute free introductory meeting with one of them: https://outlook.office365.com/owa/calendar/Gbb3a34b300e54bd69fcde3093183c30e@thehopkinsgroup.com.au/bookings/

We are thrilled to announce that THG’s managing director and authroised representative, Michael Williams has been appointed a judge for the the prestigious @ Excellence Awards! this year.

This is a huge accomplishment and a testament to our firm’s dedication to providing exceptional financial advice and service to our clients, and the prestige we hold as an industry leader within the financial advisory sector in Australia.

We’d like to extend our thank to @‌IFA for the opportunity to be involved in this inspiring process, and we feel privileged to help recognise other exceptional peers within the financial industry.

The awards ceremony will take place on 5 December at the Fullerton Hotel in Sydney – a night of celebration you won’t want to miss! Be sure to secure your tickets before they sell out!

About The Award

The awards are open to all businesses operating in Australia supporting the industry, from the profession’s most senior ranks through to its rising stars, and from start-ups to established to transformed businesses.

The most anticipated awards program of the year, the ifa Excellence Awards identifies the top businesses and professionals in the financial services industry across the nation.

Winning an ifa Excellence Award is a prestigious accolade; an recognition at a national level and build a reputation for excellence.

To learn more about the IFA Excellence Award and why they represents, please click the following link:

About the awards

To participate the event, you can secure your ticket via the link below:

Home

We look forward to seeing you there and celebrating the outstanding talents and professionals of our industry.

What is Centrelink Indexation?

Centrelink payments are adjusted regularly through a process called indexation. This ensures that your payments keep pace with the cost of living by aligning them with inflation rates. Typically, indexation occurs twice a year—on 1 March and 1 September—based on the Consumer Price Index (CPI) and other economic factors.

Payments affected by indexation include:

• JobSeeker Payment
• Disability Support Pension
• Parenting Payment
• Youth Allowance
• Age Pension

Indexation helps maintain the purchasing power of these payments, ensuring financial support remains relevant to the current economic climate.

Why You Should Update Your Circumstances

Even with regular indexation, updating your personal details with Centrelink is crucial to ensure you’re receiving the correct amount of support. Changes in your circumstances—such as income, living arrangements, or family situation—can directly affect your payments.

1. Changes in Income

If your income increases or decreases, it may affect the level of assistance you’re entitled to. Failing to report income changes could lead to overpayment (which you’ll need to repay) or underpayment.

2. Living and Family Changes

Moving house, sharing accommodation, or changes in your relationship status can also impact your payments. Similarly, having a child or changes to dependents may result in higher entitlements.

3. Health and Disability Changes

If your health condition improves or worsens, updating Centrelink is essential, especially if you’re receiving a disability support payment. Any changes could lead to an increase (or decrease) in your support.

Why It Matters

Keeping Centrelink informed about changes to your circumstances could result in higher payments, ensuring you’re not underpaid or overpaid. Regular updates also prevent unexpected issues such as having to repay overpaid funds.

When to Expect Changes

Once you update your details, Centrelink typically reviews your situation and adjusts your payments accordingly. This can take a few weeks, but you should see any increases or adjustments soon after.

How to update your details:
To keep your information current, simply log in to MyGov or contact Centrelink directly. For assistance, you can also reach them through their official website here: Phone us – Accessing our services – Services Australia

As the leaves turn to shades of orange and the nights grow longer, it’s time to embrace the spirit of Halloween! Whether you’re preparing for a frightful office gathering or a festive soirée with friends, these easy-to-make Halloween treats will surely impress your colleagues and guests alike. From busy bees to those with dietary preferences, we have something for everyone. So, let’s dive into the spooky kitchen and whip up some delicious delights!

Easy 30-Minute Halloween Treat: Monster Rice Krispie Treats

Ingredients:

• 1 package (10 ounces) marshmallows
• 6 cups Rice Krispies cereal
• 3 tablespoons unsalted butter
• Food colouring (green, red, or black)
• Candy eyes (optional)

Instructions:

1. In a large pot, melt the butter over low heat. Add the marshmallows and stir until they are melted and smooth.
2. Remove from heat and stir in the Rice Krispies cereal until well coated.
3. Divide the mixture into bowls and add food colouring to each bowl, creating a rainbow of spookiness.
4. Press the coloured Rice Krispie treats into a greased 9×13 inch pan.
5. Cut into your desired shapes—squares, triangles, or even spooky circles! Decorate with candy eyes for that extra eerie effect.

These treats are not only quick to make but also a delight to customise. Who can resist a cheeky little monster staring back at them?

Vegan Halloween Treat: Spooky Chocolate Chip Cookie Dough Dip

Ingredients:

• 1 cup vegan butter, softened
• 1/2 cup granulated sugar
• 1/4 cup packed light brown sugar
• 1 teaspoon vanilla extract
• 1/4 teaspoon salt
• 1 1/2 cups all-purpose flour
• 1/2 cup vegan chocolate chips

Instructions:

1. In a large bowl, cream together the vegan butter, granulated sugar, brown sugar, vanilla extract, and salt until light and fluffy.
2. Beat in the flour until just combined, then fold in the vegan chocolate chips.
3. Serve immediately with apple slices, graham crackers, or pretzels for dipping.

This cookie dough dip is an indulgent and guilt-free treat that will have everyone clamouring for more. Plus, it’s an excellent way to include your vegan friends in the Halloween festivities!

Gluten-Free Halloween Treat: Pumpkin Spice Blondies

Ingredients:

• 1 cup (2 sticks) unsalted butter, softened
• 1 cup packed light brown sugar
• 1/2 cup granulated sugar
• 2 large eggs
• 1 teaspoon vanilla extract
• 1 1/2 cups gluten-free all-purpose flour
• 1 teaspoon baking powder
• 1/2 teaspoon baking soda
• 1/2 teaspoon salt
• 1 teaspoon pumpkin pie spice
• 1 cup chopped pecans (optional)

Instructions:

1. Preheat your oven to 350°F (175°C) and grease a 9×13 inch baking pan.
2. In a large bowl, cream together the butter, brown sugar, and granulated sugar until light and fluffy. Beat in the eggs one at a time, then stir in the vanilla extract.
3. In a separate bowl, whisk together the gluten-free flour, baking powder, baking soda, salt, and pumpkin pie spice. Gradually add the dry ingredients to the wet ingredients, mixing until just combined. Stir in the pecans if you’re feeling nutty!
4. Spread the batter evenly into the prepared pan. Bake for 25-30 minutes, or until a toothpick inserted into the centre comes out clean.
5. Let cool completely before cutting into squares.

These pumpkin spice blondies are a delightful autumn treat that caters to gluten-free diets without skimping on flavour. Your colleagues won’t even realise they’re enjoying a gluten-free delicacy!

With these simple yet scrumptious Halloween recipes, you’ll be the star of any gathering. So don your apron, channel your inner ghoul, and get ready to create some frightfully fun treats. Happy Halloween baking!