Finovia Investment News

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	Welcome to the first edition of our new look newsletter. Each issue will bring you a range of financial market updates as well as tips to enjoying a happy and healthy life. During the first 3 months of 2012 we have witnessed an improvement in investment markets both domestically and internationally following a volatile end to 2011. We hope you take the time to have a look over our useful articles that provide an insight into predictions and outcomes in what continues to be a challenging environment for investment markets and investors generally.


	Market Wrap


			A cautious, but less fearful mood characterised investment markets in March. As the European crisis faded into the background, investors focused more on the dynamics of individual countries, with the short-term outlook appearing most robust in the USA.



	Is it time for Generation X to get serious about superannuation?


			For many younger people the thought of having to wait until age 60 to access savings and being unable to use superannuation as security for personal gearing arrangements results in superannuation getting very little attention.



	It pays to listen to the coach


			In these recent uncertain economic times, most businesses have been looking for new ways to tighten up on costs. In this article, David James explores a unique approach to making the most of the valuable resources you have through business coaching.


AUSTRALIAN EQUITIES	31/03/2012	Change 1 Month	Change 12 Months
ASX200 Index	33,472.3	1.2%	-6.1%
ASX200 Resources	23,313.1	-4.1%	-21.2%
ASX200 Industrials	57777.1	3.5%	1.5%
INTERNATIONAL EQUITIES
MSCI World Index	333.3	0.4%	-3.0%
S&P500 (USA)	1,408.5	3.1%	6.2%
FTSE 100 (UK)	5,768.5	-1.8%	-2.4%
Nikkei 225 (Japan)	10,083.6	3.7%	3.4%
Shanghai Composite (China)	2,262.8	-6.8%	-22.8%
CURRENCY
A-Dollar / US-Dollar	1.0402	-3.8%	0.6%
Trade Weighted Index	76.9	-2.9%	0.8%
FIXED INTEREST
Aust 90 Day Bank Bills	4.36%	-12bp	-58bp
Aust 10 Year Govt Bonds	4.08%	unch.	-142bp
US 10 Year Govt Bonds	2.21%	+23bp	-126bp


	WHAT'S NEW?


	Supporting the Community Our business partner Entrust are proud to have been the major sponsor for the HeartKids WA ball for the past 5 years. HeartKids is a support group for families of children with heart disease, be it congenital (born with) or acquired. This year the ‘Heart to Heart Ball’ held on Saturday, 10th March raised a fantastic $70,000 which will go towards supporting children & families affected by Childhood Heart Disease. A very special part of the evening was Tracey Horsley courageously sharing her son Xavier’s CHD journey with us at the Heart to Heart Ball. If you would like to learn more about HeartKids or view Tracey’s moving speech please visit: http://www.heartkidswa.org.au/


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	We are always looking for better ways to communicate with you. If you have a spare few minutes, take the time to fill out our email newsletter feedback form. Submitting the form puts you into the draw to win a lunch at the Montalto Vineyard on the Mornington Peninsula to the value of $100 with a complimentary bottle of wine of your choice! Click here to fill out the form.



				Finovia Pty Ltd Level 23 Bourke Place, 600 Bourke St Melbourne Victoria 3000 AFSL 230662 ABN 31 007 352 068	Telephone (03) 9834 5000 Facsimile (03) 9834 5043 plan@finovia.com.au www.finovia.com.au

	This publication has been compiled by Finovia Pty Ltd ABN 31 007 353 068 AFSL 230662 (Finovia). This publication is current as at time of preparation April 2012. Past performance is not a reliable indicator of future performance. Any outlooks in this publication are predictive in character. Whilst every effort has been taken to ensure that the assumptions on which the outlooks given in this publication are based are reasonable, the outlooks may be based on incorrect assumptions or may not take into account known or unknown risks and uncertainties. The results ultimately achieved may differ materially from our outlooks. Material contained in this publication is an overview or summary only and it should not be considered a comprehensive statement on any matter nor relied upon as such. The information and any advice in this publication do not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. This publication may contain material provided directly by third parties and is given in good faith and has been derived from sources believed to be reliable but has not been independently verified. Finovia is not responsible for such material. To the maximum extent permitted by law: (a) no guarantee, representation or warranty is given that any information or advice in this publication is complete, accurate, up-to-date or fit for any purpose; and (b) neither Finovia, nor any member of the Finovia group of companies, is in any way liable to you (including for negligence) in respect of any reliance upon such information or advice. It is important that your personal circumstances are taken into account before making any financial decision and we recommend you seek detailed and specific advice from your adviser before acting on any information or advice in this publication. Any taxation position described in this publication is general and should only be used as a guide. It does not constitute tax advice and is based on current laws and our interpretation. You should consult a registered tax agent for specific tax advice on your circumstances. More information? For further information on any issue discussed in this publication, or on any financial matter, please contact your financial adviser.

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Market Wrap

Is it time for Generation X to get serious about superannuation?

It pays to listen to the coach

WHAT'S NEW?

Have feedback? Let us know for your chance to win!