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Centric Wealth Blog

Welcome to the Centric Wealth Blog. We invite you to follow our blog, learn from our blog articles, view updates on our company and more.

Why the Stay-at-Home Parent May Need Life Insurance Too 9 Oct 2017
For a household’s main income earner, having children is likely the number one catalyst for purchasing a life insurance policy. The reasons are clear; without their main income stream, how would the family feed the children, pay the mortgage or pay off the car?
Employee Travel Expenses 9 Oct 2017
As Tax Advisors we are often asked to provide advice to business owners who are wanting to incentivise key staff. Whilst this is most likely a clear reward and recognition strategy, it is important to ensure that these employees are completely aligned with the goals of the owners.
Understanding the Ever Changing Mortgage Market 9 Oct 2017
The lack of transparency in the current home loan market, complicated pricing arrangements and the ever changing policies around investment lending, makes deciding on the right home loan more difficult than ever before.
Does your bank have better insurance on you than you do on yourself? 1 Sep 2017
Every time you go to the bank to borrow money, the bank takes out an insurance policy on you. By taking out what is known as a “Loan to Value” margin on what the property is worth versus what they are prepared to lend you the bank is taking out their form of “Risk Insurance”. The difference, known as the margin, protects the lender in many ways: It helps them reduce their risk as they know you’ve had to save hard to stump up the deposit, and it also gives them a “margin of error” should something go wrong.
Tax considerations – incentivising key staff 1 Sep 2017
As Tax Advisors we are often asked to provide advice to business owners who are wanting to incentivise key staff. Whilst this is most likely a clear reward and recognition strategy, it is important to ensure that these employees are completely aligned with the goals of the owners.
Modern Portfolio theory: The value of diversification 1 Sep 2017
In 1952, Harry Markowitz wrote an essay titled “Portfolio Selection” that became the basis for Modern Portfolio Theory (MPT). The concept behind MPT is that the assets in an investment portfolio should not be selected individually. Rather, it is important to consider how each asset changes in price relative to how every other asset in the portfolio changes in price.