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  • By Willard Lloyd / November 1, 2019
    Reading Time: 2 minutes

    Like a traditional managed fund, an exchange-traded fund (ETF) offers the opportunity to invest in a portfolio of securities, such as shares or bonds.

    As with a managed fund, each ETF unit represents an undivided interest in the underlying assets. In Australia, this interest is usually in the form of a unit in a unit trust. ETFs and managed funds also both offer professional management, so you don’t have to keep track of every security your fund owns. However, ETFs are different in that they can be traded throughout the day on an exchange at a market-determined price.

    Most ETFs use an indexing approach. Index ETFs are built so that their value can be expected to move in line with the indices they seek to track. For example, a 2% rise or fall in an index should result in approximately a 2% rise or fall for an ETF that tracks that index (before fees and expenses).

  • By Willard Lloyd / October 31, 2019
    Reading Time: 4 minutes

    Would you take this deal? I’m going to flip a coin. If it comes up heads, you win $200.00. If it comes up tails, you lose $100.00.

    Most would decide not to play. It’s just not worth it. The odds are not in your favour. It’s nice to win $200.00 but nobody wants to lose $100.00.

    This mindset applies to clients who fret over their account balances daily. In a bad market, the odds appear to be heavily stacked against us. It’s just not worth taking the risk when every day brings bad news when the odds are not in our favour.

    What if you offered to flip the coin one hundred times? That would give somebody pause. The odds appear better. They may not be, but the long game is more appealing. It seems we have a better chance of winning over time.

  • By Willard Lloyd / October 14, 2019
    Reading Time: < 1 minute

    No, the title is not talking about the hosts.

    This week’s podcast touches on an article shared by a friend of the firms that discusses the complexity of the Australian economy or lack thereof. Tony & Jamie use some points highlighted to discuss why Kofkin Bond & Co don’t have a home town bias and why we look internationally when investing.

  • By Willard Lloyd / October 14, 2019
    Reading Time: 3 minutes

    Bangladesh, Cuba, Iran, Mali and Turkmenistan share an unexpected connection to Australia, and it isn’t membership of a tourist destination hotlist.

    All are among the economies that are so lacking in complexity, and have such limited natural opportunities to develop new products, that Harvard University recommends they adopt industrial policy straight out of the post-colonial developing world: the “strategic bets” approach.

    The advice comes from the Harvard Kennedy School’s Center for International Development, which two weeks ago launched an online database of 133 economies that combines remarkably rich data with beautiful presentation.
    Designed to map, literally, the economic progress and opportunities of the industrial and non-industrial world, the Atlas of Economic Complexity exposes an under-appreciated truth about Australia.
    The enormous wealth generated by iron ore, coal, oil and gas masks, and probably contributes to, an economy that has failed to develop the industries needed to sustain its position among the top ranks of the developed world.

    Put simply, Australia is rich and dumb and getting dumber.
    On the primary metric used in the database, an index of economic complexity, Australia fell from 57th to 93rd from 1995 to 2017, a decline that is accelerating. Australia’s top trading partner, China, rose from 51st to 19th over the same timeframe.

  • By Willard Lloyd / October 3, 2019
    Reading Time: < 1 minute

    This week’s podcast goes through the history of the market and what the future may present itself.

    With a little glimpse into the investment thought process for Kofkin Bond’s client’s investment portfolios. Tony enlightens about previous tech companies and how it is not all about finding the next Amazon but ensuring the safeguard through the diversification in the investment portfolios.


  • By Willard Lloyd / September 3, 2019
    Reading Time: 4 minutes

    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
    Reading Time: 2 minutes

    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
    Reading Time: 3 minutes

    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
    Reading Time: 6 minutes

    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
    Reading Time: 3 minutes

    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.