Understanding the impact of the Royal Commission on your Financial Plan and Property Investment decisions

Dear Reader,

Welcome to your second edition of Step Ahead for the year.

It’s been a big start to 2019 for your finances. We’ve got a booming Share market, a struggling Property market and a Banking Royal commission that has passed on recommendations that will forever change the landscape of financial advice in this country.

There will be many casualties as a result of the Royal Commission and we are already seeing the impact. All major banks other than Westpac are either selling or demerging their wealth management. Lending has tightened up to almost scary levels, which is hurting the property market and poses a very real threat to the economy. Financial advisers are leaving the industry in droves as the impact of proposed changes and pending increases in education standards settle in. Mortgage brokers are facing the very real prospect that they will be without a job if commissions are cut, as has been proposed.

We are in a whirlpool of change right now and in our feature article we explore the impact of the Royal Commission and our views on what it will mean.

Our second article reflects on sound Property investment principles. It is a time that you want to be prudent about your Property investment strategy and in this article we outline why, ‘when it comes to Property investment, one or two will normally do’.

Given the unprecedented change and negative publicity for Financial Planning I’ve had the opportunity to reflect on where Yield fits into a post Royal Commission world, and I’m heartened to realise that we are well positioned to thrive.

I founded Yield Financial Planning with the ambition to build a boutique advice business focussed on helping my clients to build financial freedom.

  • We are a business that isn't owned by a major institution and we are happy to keep it that way.
  • We are one of the very early adopters to charge fees for the strategic and investment advice we provide (since our inception in 2006) and our aim is to always improve and always deliver value to you that exceeds the fee you pay us.

Thank you for being a subscriber of Yield, we value your readership and would welcome the opportunity to start the conversation about how we can help you achieve your goals.

Feel free to call me for a chat about the Royal Commission or any other topic on 03 9819 0699.

Thanks from James and the team at Yield.

Banking Royal Commission and impact to Financial Planning
The Royal Commission has concluded, and 76 recommendations have been proposed to ensure businesses in the Banking and Financial Services sector are putting their clients’ interests first. This article is Yield’s take on the recommendations.
When it comes to property investments: one or two will do
Watch our video explaining why one or two quality properties will generally be more appropriate than a portfolio of many properties for the average property investor.
Yield Video: Life Insurance Explained
This month's video is Part 2 of our five-week journey where we take you through our insurance advice and how our service is helping our clients protect the things they are working for.
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