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B/A Report

Since last Christmas, the world has become a different place. Many countries are now technically out of recession, the Australian stock market has recovered some of its losses and the RBA has started to increase interest rates.

The big question though on everyone's lips is - Are whe past the worse? - Only time will tell.

What is more certain is that 2010 will still be a testing year for most and it is in these times that it is imperative you take full advantage of our services and expertise. Over the Christmas/New Year break, consider how our firm can help you through this ongoing financial crisis.

Our office will be closed from the 22nd December 2009 and will reopen on the 13th January 2010. During this time, our team will still be available periodically via email.

From all of us at B/A Group we wish you a Merry Christmas and a prosperous and safe New Year.

Review of 2009 and outlook for 2010

This edition of Oliver's Insights looks back at the year 2009, and forward towards whats in store for 2010.

Belts may be tighter in 2010

In this article Brad Matthews looks at what we can expect in 2010, including how the GFC has influenced the future.

Rising Australian interest rates – how far, how fast?

This edition of Oliver's Insights looks at increases in Australian interest rates. These are likely in the year ahead as the Reserve Bank of Australia (RBA) seeks to move rates towards normal levels.

Your New Year financial resolutions

As another year goes by and we look back on how fast it has come and gone, many of us find ourselves thinking about what lies ahead.

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03 9699 2211

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Published by B/A Group Pty Ltd. Louis Zafiropoulos is an authorised representative of Hillross Financial Services Limited ABN 77 003 323 ("Hillross"). Any advice in this publication is provided by Hillross. Hillross can be contacted by telephoning 1800 445 767 or you may send an email to info@hillross.com.au. Hillross is part of the AMP Group of companies. No remuneration or other financial benefits are paid to Hillross or their related companies or associates for providing advice in this publication. Any advice in this publication does not take account of your personal circumstances. Before relying on it to make a decision, you should consider how it applies to your overall circumstances or speak to a financial planner. Before deciding whether to buy or continue to hold any financial product including those referred to in this publication, you should also obtain and consider the Product Disclosure Statement for the product, which is available from your financial planner. Although this information was obtained from sources considered to be reliable, B/A Group Pty Ltd does not guarantee it is accurate or complete. The information in this publication is current as at the date of publishing and may change over time. Past performance is not an indication of future performance.