• By Willard Lloyd / September 3, 2019

    Dementia: How to future-proof your finances

    As life expectancies increase, dementia will become an ever-more important issue. The good news is that it is normally a condition that progresses slowly, thus giving families plenty of time to prepare for it. Don’t fall for the myth that your spouse or next of kin can make financial decisions on your behalf in the absence of an enduring power of attorney. Don’t fall for the myth that your spouse or next of kin can make financial decisions on your behalf in the absence of an enduring power of attorney. The bad news is that there is no current cure and that many people move to avoidance, instead of preparation, and thereby leave themselves at risk of huge financial problems down the track. It is critically important to have an enduring power of attorney (EPA) in place long before it appears to be needed. The person giving the EPA must have the capacity to do so.

  • By Kofkin Bond & Co / July 1, 2019

    Kofkin Bond & Co. is an Australian, diversified wealth and asset management company. With over 40 years of combined experience, we work with individuals, families, businesses, and institutions – to deliver services and solutions that help build, preserve and manage wealth.

    A  position has opened for someone who wants to be part of a company culture that is always abreast of the industry’s evolution and changes and embraces technology for better delivery of advice and services.

  • By Kofkin Bond & Co / May 30, 2019

    No-one in their right mind would invest purely in a single asset class. Most people are invested in what is called a “balanced” portfolio that contains 60-70% of their assets in equities.

    “Balanced” is one of those words that create a feeling of comfort and lack of danger. It’s a bit like the way “gaming” has replaced “gambling” or “climate change” took the place of “global warming”. The effect is the same no matter what you call it. The perception, however, is completely different.

    So people invested in “balanced” funds should be able to assume that all their risks are equally weighted, in the way that a seesaw is balanced when two children are on either side. When one child goes up, the other child goes down and vice versa. That’s balance.

  • By Kofkin Bond & Co / May 17, 2019

    The final days are drawing near as Australia readies itself to vote.

    The tax has been one of the main battlegrounds for the two major parties, with Labor’s proposed taxation policies set to make sweeping changes to franking credits, capital gains tax and negative gearing.

    Here’s Kofkin Bond & Co’s guide to what the proposed changes could mean for you if Labor gets elected.

    ·        Franking Credits

    ·        Capital Gains Tax

    ·        Negative Gearing


  • By Kofkin Bond & Co / May 3, 2019

    Glenn Freeman  |  03 May 2019


    Utilities and infrastructure companies are usually described as a “defensive” asset class because they deal in long-term contracts that help them ride out volatility – a factor that also affects their reaction to interest rate movements.

    And like property trusts, utilities and infrastructure companies also have bond-like characteristics: they may not grow very quickly, but they provide a reliable income stream over the longer term.

  • By Willard Lloyd / March 7, 2019

    Australian expatriates have been offered some relief after a Full Federal Court decision against the ATO in a tax residency case clarified the definition of “permanent place of abode”.
    Harding v Commissioner of Taxation, ruling that the taxpayer’s “temporary” apartment qualified as a “permanent place of abode” under the tax residency test and was not liable for tax in Australia.

  • By Kofkin Bond & Co / February 12, 2019

    Whether it be a job opportunity or change of scenery, any Australian looking to gain employment overseas should seek strategic financial advice before their departure in order to understand, and potentially avoid, any lasting financial impact that may be difficult to unwind as a result of different rules and regulations impacting their status. 

  • By Kofkin Bond & Co / January 21, 2019

    The Commonwealth Bank and the Melbourne Institute: Applied Economic and Social Research at the University of Melbourne, released a new benchmark measure of financial wellbeing of it stating weighing on the minds of a large number of Australians is their challenges of managing personal finances and putting enough money aside to ensure their financial futures. 

    What is the CBA-MI financial scale? 

    The scale combines banking data and peoples’ perceptions about financial outcomes.  The unique concentration of the individuals perception with the banking data reveals the barriers, drivers and behaviours that are linked to positive financial well being across both ‘self-reported and ‘observed’ scales. 

  • By Kofkin Bond & Co / January 16, 2019

    From how the dollar will perform, to whether we should invest in property or shares, despite the past record of forecasters often ‘getting it wrong’, or playing it safe, consumers will continue to seek market predictions, almost as if they are searching to find that one person with the crystal ball.

    Using last year as an example, many experts, including Mike Wilson from Morgan Stanley, predicted tech stocks would continue to head the market, allowing it to remain strong.  What happened? The likes of Apple and Facebook fell over 40% from their highs. Even the S&P 500 ended the year well below the predicted 2840 with a concluding result of 2500.

    So why are the experts so often wrong? To put it simply, it’s because they generally fall into two categories, and either way, they are playing it safe.

  • By Kofkin Bond & Co / December 12, 2018

    For around 12 months we have believed that Australian and Global equity markets have been extremely overpriced and riding on the strength of euphoria as we couldn’t find many opportunities for growth.

    We had always been saying that the Australian and US equity markets have been overvalued and thus very early on had little exposure to both asset classes. Most Australian investors who aren’t our clients have a love affair with domestic and US shares thus seeing very large declines in their portfolios over the past 3 months {-12% to -22%}

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