personal budget

The Secret to Creating a Personal Budget that Works

Here, Elston Strategy Adviser, Dean Ireland answers five common budgeting questions that may help you achieve your goals sooner. As you can see from Dean’s answers, it really is all about your attitude to budgeting. Read more

Portfolio rebalancing

At Elston we believe that the strategic asset allocation decision – which takes into account an investor’s risk tolerance, time horizon and financial goals – is a crucial decision in the portfolio construction process. Read more

Total and Permanent Disability (TPD) insurance

Total & Permanent Disability (TPD) Insurance – It’s all about the definition.

When considering Total and Permanent Disability (TPD) insurance, there are essentially three different definitions to choose from. These definitions vary considerably and have different cost and potential claim considerations. So let’s take a closer look at each of them. Read more

broken pencil

Goodbye business partner, hello pain?

The need for appropriate legal agreements between partners may seem painfully self-evident, but some sources indicate that as many as 95% of businesses may not have the right kind of agreements in place. Read more

Bond yields matter for equity investors

A rational investor Intuitively demands higher returns to invest in an asset where the risk of loss is greater. Read more

Raising the standard: a commitment to education and excellence

The ongoing saga of the Hayne Royal Commission has left many dismayed by the behaviour that seems to be all too common in the financial sector. Read more

Elston achieves a major milestone

The entire Elston team recently came together to celebrate a significant milestone – the 10-year anniversary of the company. Elston officially started on 1 October 2008 at a very difficult time. Read more

Brambles (BXB): delivering the goods

The stock in focus this month is Brambles (BXB). At recent presentations, Portfolio Managers have touched on the theme of disruption, looking at the possibility that in some areas larger incumbents may have advantages that are underestimated, and that the ability for new players to take significant market share may be somewhat overestimated. Read more

Life insurance and income protection for the self-employed

There are over two million self-employed Australians in the workforce today. There’s no doubt that running your own business can be rewarding, but without the safety nets and security offered by larger corporations, it’s important to consider financial protection as part of essential business planning. Read more