In this end of year issue we ask whether international diversification of your investment portfolio is justified at this time - given that the Australian economy is currently outperforming the rest of the world. Our answer is that the investment fundamentals have not changed and the only way to benefit fully from a worldwide recovery is to stay invested in international markets.

We also look at the difference between good debt and bad debt. Bad debt can drag your financial security down like an anchor. Good debt can grow your investment capital and returns and generate valuable tax concessions - it is vitally important to distinguish between the two.

And finally we put New Year's resolutions under the microscope to discover why they fail and what you can do to make sure you keep yours. Happy New Year!

If you require any assistance or wish to speak with a financial planner please feel free to contact our office.

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