MLS Financial

MLS Financial Michael is the principal of MLS Financial. He has been in the financial services industry since 2001.

MLS Financial helps individuals, families and businesses realise their financial goals via specialist advice in Superannuation, Investments, Insurance & Retirement Planning. This initially involved roles in customer service and management for a large financial services company before moving into roles related to providing direct financial advice to clients since 2003. This includes both advising c

lients as well as management positions in the areas of Compliance, Product Research and Technical Services. He now has a complete focus on advising his clients in the areas of investments, superannuation, personal & business insurance and pre & post retirement planning. Michael holds a Bachelor of Business (Economics and Finance) as well as the Advanced Diploma of Financial Services (Financial Planning).

I’m often asked about the performance of my client’s super in comparison to a seemingly similar investment strategy with...
10/11/2018

I’m often asked about the performance of my client’s super in comparison to a seemingly similar investment strategy within some common industry funds. As the Financial Review article explains, when you dig a little deeper, it is far from a fair comparison when ‘some funds’ invest a lot more aggressively than their fund name implies. Unfortunately this means that in a market downturn, these funds will be far more exposed to negative returns than a true to label fund.

Think your balanced fund will give you growth in good times and protect you in bad times? Check your fund's asset allocation.

The recent pullback in share markets has been heavily reported by the media. Quite simply, they have had little negative...
09/02/2018

The recent pullback in share markets has been heavily reported by the media. Quite simply, they have had little negative to report for a few years with the average return of Aussie and International shares since 2013 being well into the double digits.

The attached note written by a well respected economist affirms my view... that is it's just another correction.

We can certainly understand why many investors are disturbed by the market volatility over the last few days. After about 18 months of great consistent returns on the S&P 500 with little volatility, January’s return was a massive 5.6%. That’s about an average year’s return in one month!

The scary reality of underinsurance. It is real, but can certainly be avoided with appropriate consideration and plannin...
02/09/2015

The scary reality of underinsurance. It is real, but can certainly be avoided with appropriate consideration and planning
http://youtu.be/jSIv8QwKTgQ

Australia’s underinsurance problem is well documented and widely discussed. But only when we put a human face to this phenomenon does all the talk start to b...

15/02/2013

Good article for those under 40-45 out there. Let the market's do their thing I say!

YOUNG workers choosing "low risk" investments for their superannuation may be up to $170,000 worse off.

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9/20 Castlereagh Street
Penrith, NSW
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