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India Avenue – Mugunthan Siva

I spoke with Mugunthan Siva from India Avenue Equities about investing in India.

India is an investment destination with massive potential. Over 1 billion people in a capitalist system where the average age is 29. These are great reasons to have exposure to India in your portfolio. A long-term investment time frame should see a handsome return.

We discuss the importance of having close contact on the ground in India, the challenges of significant shareholdings, why small and mid-sized companies deliver a chunk of the return and where Mugunthan see opportunities in the future.

Compound your wisdom!

THG MDA Update September 2023

THG MDA Update September 2023

MDA Investment Committee Chairman Mark Wenzel gives us the latest update in our MDA portfolio for September 2023.

To watch the full update online:


For more information, please reach out your THG financial advisor and book an appointment via the link below:

The ESG Investing Landscape in 2022: A Year of Two Halves

The ESG Investing Landscape in 2022: A Year of Two Halves

The year 2022 was a year of two halves for ESG investing. The first half was challenging, as the energy market disruption in early 2022, coupled with surging inflation and interest rate expectations, placed small and micro-cap stock valuations under pressure. Resources and energy stocks (underweight sectors in ethically screened funds) performed strongly, while ESG-focused funds lagged behind the broader market.

However, the second half of the year saw a more optimistic outlook for inflation and interest rates. Earnings-focused companies experienced a well-deserved upswing, and the impact on resource prices from the Ukraine war subsided. ESG fundamentals also came into focus, with investors increasingly looking for specialist knowledge in areas such as healthcare, IT, and utilities and renewables.

In addition, market inefficiencies in the ESG space began to attract attention. As ESG-focused funds are often benchmark unaware, markets weren’t pricing in the true value of these ESG-aligned companies, leading to opportunities for patient capital investors who were willing to take a long-term view.

Finally, the sustainable universe began to show its potential. Favourable structural trends, such as the transition to a low-carbon economy, are creating new investment opportunities in areas such as renewable energy and sustainable infrastructure. These trends are likely to continue to drive growth in the ESG space in the years to come.

Our financial planning specialists offer a no-obligation, free consultation to assess your situation and guide you through what type of loan you need.

To schedule a quick 15-minute phone call with our Financial Planners, please click here. Alternatively, you can also contact us on 1300 726 082 or visit https://thehopkinsgroup.com.au/contact/

Rooming Houses with THG’s Brad Carlin-Smith and Steve Boyd

In this episode, I have a round table discussion with The Hopkins Group own Steve Boyd, Head of Specialised Property Investment, and Brad Carlin-Smith, Head of Property Sales, about the hot segment of the property market, Rooming Houses.

We discuss the key issues in building, buying and renting in a Rooming House. They are great cash generators for landlords and with the current rent shortage, bring valuable rental accommodation to the market.

This episode provides great insight into Rooming Houses from 2 experts.

To know more about rooming house and how we can help you, please visit:   https://thehopkinsgroup.com.au/service/rooming-houses/

Compound your wisdom!

Wealth Adviser Debt vs Equity Summit

Wealth Adviser Debt vs Equity Summit

The Wealth Adviser Debt Versus Equity Summit 2023 held last 18 July 2023 brought together a panel of experts from the financial advisory and financial planning industry markets to discuss the latest trends and opportunities.

The Summit was hosted by Keith Cullen, Managing Director of WT Financial Group Limited, and our Group’s Managing Director, Michael Williams, was invited as part of the expert panel to explain The Hopkins Group’s successful growth model through strategic equity swap and merger.

Michael explained that equity, unless debt, foster a relationship that is deeply invested by both parties, and thus creating a context where all parties involved has the interest of the Group at the forefront, and not just personal gain.

To watch the full Summit online:

If you are a financial advisor looking to expand or grow, our THG Financial Adviser Partnership Program might be something worth you while to consider.

By partnering with us, you and your clients will have access to the group’s end-to-end, holistic service suite across financial planning, estate planning, property sales, property management, property advocacy, tax & accounting (business & personal) and mortgage & finance.

For more information about our partnership program, please visit: https://thehopkinsgroup.com.au/l/financial-advisor-partnership-program/ or click https://thehopkinsgroup.com.au/app/uploads/2022/12/Financial-Advisory-Partnership-Program_One-Pager-1.pdf for the program fact sheet.

Alternatively, you can book in a confidential, obligation-free appointment via the link below:


Mortgage and Lending : Bridging Loan

Mortgage & Lending – Bridging Loan

Are you considering buying a new home but still need to sell your current one?

If so, you may be considering a bridging loan. A bridging loan is a short-term loan that can help you bridge the gap between buying your new home and selling your old one.


How does a bridging loan work?

A bridging loan is typically an interest-only loan secured against your existing property. In a competitive market, this type of loan bridges the gap between purchase and sale, so you can take advantage of timing.

You could potentially borrow up to 80% of the combined value of the current and new properties with the intention to retain only 80% debt on the new property after sale of the current one.

Bridging loans typically have a term of 12 months and may not be extended beyond this time. The interest rate on a bridging loan is usually higher than the interest rate on a traditional home loan.


Who needs a bridging loan?

Bridging loans are often used by people who want to settle their purchased property before selling their existing one. It is also helpful for those who need to renovate their existing home and need extra time to sell.


Benefits of a bridging loan

There are several benefits to using a bridging loan, including:

  • You don’t lose out on your dream home while waiting for your existing home to sell; and
  • Allows you to borrow 100% of the purchased property plus associated costs or over your maximum borrowing capacity because you have an existing property to sell and pay down your debt


Risks of a bridging loan

There are also some risks associated with using a bridging loan, including:

  • Higher Interest rate;
  • No offset or redraw facilities; and
  • If you cannot sell your old home within the specified time frame, you may lose your property


Still trying to figure out if that’s what you need?

If you are considering a bridging loan or are unsure what loan product you need for your unique situation – you should speak to a lending professional.

Our mortgage specialists offer a no-obligation, free consultation to assess your situation and guide you through what type of loan you need.

To schedule a quick 15-minute phone call with our mortgage specialist, please click here. Alternatively, you can also contact us on 1300 726 082 or visit https://thehopkinsgroup.com.au/contact/

Milford Absolute Growth Fund with Jason Kururangi

We speak to Jason Kururangi from Milford Asset Management. The discussion centres on the investment process of Milford and the ability to protect capital by holding cash. The current cash position is 40%, so we delve deep into why they have taken this position and what they are holding to generate alpha for investors.

This is a great discussion with Jason about Milford’s Kiwi heritage, the unique investment process and where they see markets.

Compound your wisdom!

Short Stay Property Management with Lara Moro

Talk Investment with Mark Wenzel speaks to The Hopkins Group’s own Lara Moro about the opportunity to generate more income from your property by taking on short stay tenants.

Short stay has become a specialist area in the property management industry, with expertise required to maximize returns.

Lara talks about the types of properties most in demand, how to set up the property to attract top reviews and why you should consider short stay for your property.

Compound your wisdom!

Victorian Budget 2023

Victorian Budget 2023 impacts

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The Victorian state budget for 2023-2024 has both positive and negative measures for taxpayers. It is also geared towards helping the government repay its COVID-19 debt, and as a result, measurements are made, and they have a significant impact on several industries and financial plan holders.

In this article, we will outline the major measurements made, their impact to different key Australian demographics and their impact:

Family Homeowners – Generally Positive

The budget includes positive measures for family homeowners and first home buyers. There will be a new first homebuyer grant program with a $250 million investment, making it easier for you to buy your first home. Additionally, a $100 million investment in a home renovation grant program will support home improvements.

However, there is a temporary increase in stamp duty on residential property purchases over $1 million, which may have a negative impact on family homeowners or those with a single mortgage. This increase in costs should be considered when planning your repayment budget.


Small Business Owners – Generally Positive

For small business owners, the budget has mixed implications. On one hand, there are investments in new resources and support, such as a $50 million small business accelerator program and a $10 million small business grants program.

On the other hand, changes to WorkCover means further increased operational costs.


Older Victorians – Positive

The budget aims to improve the quality of life for older Victorians with a $250 million investment in an aged care reform package and a $100 million investment in a seniors’ transport program. These measures should positively impact your quality of life as an older individual.


High-Income Earners – Generally Negative

High-income earners may experience negative effects due to increased taxes. A temporary payroll tax surcharge of 0.5% for businesses with national payrolls over $10 million and a temporary increase in stamp duty on residential property purchases over $1 million will increase their tax burden.

The temporary increase in stamp duty on residential property purchase over $1 million dollars also negatively impacts higher incoming earners looking to purchase a home in the near future.

However, the payroll tax-free threshold will be raised from $700,000 to $900,000 from July 1, 2024, providing some relief for high-income earners.


Property Investors – Negative

Property investors may face challenges with the budget’s measures. The temporary increase in stamp duty on residential property purchases over $1 million and the lowering of land tax threshold from $300,000 to $50,00 will significantly increase the cost of maintaining a property.


What Should I Do Next?

If you are concerned about how the budget may affect you or to explore how to mitigate the impact of the budget has already affected you, please do not hesitate to contact your financial advisor.

We can help you understand the budget’s impact and discuss your options to protect, secure and ensure the long-term growth of your wealth.

To book your online or face-to-face no-obligation consultation, please click this link.

If you are a client of The Hopkins Group, we encourage you to speak to your THG financial advisor directly. To book a meeting with your THG adviser, please click the link.

FY23 to FY24 Federal Budget Update with Michael Williams

The Hopkins Group’s Managing Director and Senior Financial Advisor, Michael Williams shares the group’s position on the FY23-24 Australian Federal Budget, its impact on our clients, and things to keep an eye on in the future.

If you are looking for a financial advisor, a mortgage specialist, property agents or general advice, book a no-obligation consultation with us today: https://outlook.office365.com/owa/calendar/TheHopkinsGroup@thehopkinsgroup.com.au/bookings/

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The Hopkins Group

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