THE ADVISER’S NOTEBOOK
April 2025
Welcome to the April Edition of the Adviser’s Notebook!
As April begins and school holidays approach, it’s the perfect time to reset, reflect, and plan ahead. Whether you’re taking a short break, managing household budgets, or looking toward your long-term financial goals, this month offers a valuable opportunity to check in on your priorities and prepare for what’s next.
We’re also keeping an eye on the bigger picture—exploring how global political shifts, such as the recent U.S. tariff changes, could influence your financial outlook here in Australia. Plus, Shane Oliver, Head of Investment Strategy and Chief Economist at AMP, shares seven key reminders for investors when markets become unpredictable.
In this edition, you’ll find a range of articles to help you make informed, confident choices—no matter your stage of life. From understanding the real cost of private education and building financial skills in a cashless world to learning core investment principles and helping kids start their savings journey early, we’ve got you covered.
At Your Wealth Hub Advice, we’re here to support your financial wellbeing—whether you're planning for today or building for the future.
Click below to explore this month’s insights and take the next step toward clarity, confidence, and peace of mind.
Warm regards,
Gavin Glozier, Grad Dip, Fin Plan
CEO & Principal Financial Adviser
P 1300 763 498 • M 0408 155 140
Level 17, Angel Place, 123 Pitt Street, Sydney NSW 2000
Life the life you want to live.
Global Politics and Your Wallet: What Trump’s Tariffs Mean for Australians
As global markets react to new tariffs introduced by the U.S. administration, economists are keeping a close eye on what it could mean for inflation and economic stability worldwide—including in Australia. This article explores how international trade policies can influence everyday prices and long-term economic planning. Click to read more and see how global events may shape your financial outlook this April and beyond.
Evaluating the True Cost of Private Education
Considering private schooling for your child?It’s important to understand the full financial picture. This article explores the real cost of private education—not just tuition, but the long-term trade-offs that could impact your family’s financial goals. From missed investment opportunities to delayed retirement plans, it offers valuable insights to help you weigh the benefits against the sacrifices. Click to read more and make an informed decision for your family’s future.
Start Your Child's Financial Journey Early
Thinking about your newborn's future? Opening a savings account for your baby can be a smart move to build a financial foundation from day one. This article explores the benefits of children's savings accounts, such as earning interest on early savings and teaching financial literacy from a young age. It also covers important considerations like account types, parental access, and potential tax implications. Click to learn how to set your child on the path to financial success right from the start!
Six Essential Lessons for Investors: Preparing for the Future
As you plan for the upcoming school holidays and look toward future financial goals, it's crucial to have a solid investment strategy in place. This article outlines six fundamental lessons that can help guide your investment decisions, emphasising the importance of diversification, long-term planning, and maintaining discipline during market fluctuations. By understanding these principles, you can better position yourself to fund both immediate expenses, like holiday activities, and long-term objectives, such as education savings or retirement. Click to learn how to strengthen your investment approach and confidently prepare for both the near and distant future.
Teaching Kids About Money in a
Cashless Society
In today's digital age, where cash transactions are becoming rare, teaching children the value of money presents new challenges. This article explores effective strategies for imparting financial literacy to kids in a predominantly cashless world. It emphasises the importance of open discussions about spending decisions, involving children in budgeting activities, and modeling thoughtful financial behaviors. By adapting to these modern methods, parents can ensure their children develop a solid understanding of money management, even without the tangible presence of cash.
Share Market Falls: 7 Key Things for Investors to Keep In Mind
Recent market fluctuations have left many investors uncertain about their financial strategies. In this insightful article, Dr. Shane Oliver, Head of Investment Strategy and Chief Economist at AMP, outlines seven key considerations to help investors navigate these turbulent times. From understanding that market corrections are a normal part of investing to recognising the importance of maintaining a long-term perspective, this piece offers practical advice to keep your investment goals on track. Click to read more and equip yourself with strategies to manage market ups and downs confidently.
