A re-cap on 2016…

As the New Year rushes towards us and we reflect on 2016…


I would like to take this opportunity to thank you all for your ongoing support of Super Equity. It’s been a pleasure getting to know you all. My goal is always to give you a better and brighter future, and it has been great learning about your individual goals for the future.

The year has certainly been eventful, and so I’d like to recap some key highlights from 2016.


Back in April I wrote a piece titled Beaten Up Banks are a Bargain, commenting –

I am not of the view our property market is going to crash, so no I don’t think it is a good time to sell your bank stocks if you already own them.   I believe our mortgage banks are a strong buy and investors will continue to enjoy healthy dividends.   If you bought the banks today in your Super Fund you will be rewarded for taking on the risk of owning them rather than depositing your funds in an account with them at 3% if you’re lucky.”

Now here we are in December, and the results speak for themselves:

National Australia bank has risen 17.7%



ANZ Bank has risen 32%



Commonwealth bank has risen 12.8%



Westpac Bank has risen 9.35%



In May I touched upon the Chinese Boom on the Gold Coast, remarking –

Should no corporate activity eventuate, both Ardent Leisure and Village Roadshow operate some very attractive assets that are going to continue to pour out cash and dividends well into the future. Both stocks have been on a roller coaster ride of late so now it is time to get on board and ride the next boom.”

Unfortunately, many of you would be aware of the tragedy that occurred at the Dreamworld Park on the Gold Coast recently. This is a sad reminder that unforeseen accidents can, and sometimes do happen. To those of us in the investing world it’s a clear reminder of the importance of diversity in your portfolio.

Ardent Leisure is trading at the same price as when I recommended purchasing their shares



Whilst unfortunately during this time Village Roadshow’s shares have fallen 19%



In July I featured the Woolworths Group

I don’t see Aldi taking serious market share off Woolworths and Coles because I feel the Australian consumer has become more sophisticated with their cooking (thanks to shows like Master Chef) and are demanding a wider variety of groceries to do this. I believe Woolworths and Coles will always dominate and both companies have built major infrastructure in the country over the past few decades to supply the population with food.”

Since that post, Woolworths has performed well rising 11.5%



In August I commented on The Question of Risk & Reward, and then wrote a piece called How to profit from an ageing population, featuring a company called Challenger

In a nutshell, a retiree hands over their money and Challenger makes regular payments over their entire life or an agreed upon term.  Challenger makes a bucket load from managing the money and may also keep a portion of the funds when the retiree passes or the term is over.”

You can see how Challenger has been performing since August here:

Challenger has risen 18.9%



Then in September the Federal Government made some significant amendments to its Super Package:

I was delighted to hear that they scrapped their plans of the $500,000 limit (which they wanted to backdate to 2007) that you could contribute to your Super Fund with after tax money.

It was replaced with a yearly cap of $100,000 going forward from 1st July 2017 (previously $180,000) that you are able to contribute into your Superannuation with after tax money.

You can keep contributing into your Super until you reach $1.6 million then you are no longer able to make after tax contributions.

They also kept the ‘bring forward rule’ meaning that you are able to make after tax contributions of $300,000 every 3 years.

You will also still be able to make $25,000 before tax contributions into your Super Fund each year.  Before tax contributions are things like ‘Super Guarantee’ and ‘Salary Sacrifice’.

In October I wrote an educational piece about Dividends, and then touched on a company called Greencross in the Pet Industry –

The company makes around $40 million per annum and pays a dividend of approximately 3% fully franked. Management are projecting the company to grow to 350 Pet Barn stores and 350 Greencross Vet clinics around the country.  Private equity recently tried to buy the entire company after the share price fell. They did not succeed but it does show the potential.”

Though it has only been a couple of months since this post, Greencross is trading at approximately the same price as when I recommended buying their shares.

And here we are! It’s almost Christmas, the Silly Season, the time of endless festivities!

To you, your family, friends (and pets), I would like to wish you all a safe, happy and healthy Festive Season. If you are travelling, be careful on the roads, and don’t forget to let neighbours know if you are going away. May the holidays and New Year bring you happiness and prosperity.

I look forward to working with you all in 2017!

Tracy 🙂

Ps. If you haven’t seen the voucher I have on offer at http://superequity.com.au/give-gift-comfortable-retirement-christmas/ check it out and pass along some Christmas cheer!

General Advice Warning
The information provided in this post is general information only. Unless otherwise stated the information is not designed for the purpose of providing personal, financial or investment advice. Any examples are presented for illustration purposes and past performance is not a reliable indicator of future performance. The information provided does not take into account your particular investment objectives, financial situation or investment needs.

Without limiting the generality of the above paragraph no person, persons or organisation should invest monies or take action on the reliance of the material contained in this post, but instead should satisfy themselves independently (whether by expert advice or otherwise) of the appropriateness of any such action. Unless otherwise stated the information presented is not a recommendation to invest in any investments, securities or financial products.

This service, like all other financial services, is subject to market forces and unpredictable events that may adversely affect its future performance. Whilst all care has been taken in compiling information in this post, and is provided in good faith, it is not to be relied upon as a substitute for professional advice. The views expressed are commentary only and the writer accepts no responsibility for the accuracy, completeness or timeliness of the information.

Super Equity Pty Ltd ACN 609 373 202 is a Corporate Authorised Representative 001238425 of ANDIKA Pty Ltd AFSL 297069. It should also be noted that references and hyperlinks to any third party information (including, but not limited to: news articles, blogs, reports, videos or other mediums of information) is not an endorsement of that party or product.

Stephen Hall
Stephen Hall
September 21, 2023.
Tracy & Adrian's knowledge/experience with financial markets, greater global & domestic political/economic impacts & individual companies/stocks is not just unique & refreshing, but also gives great peace of mind. Having a team this capable taking care of your hard earned to help avoid knowable negative impacts, and/or take advantage of opportunities well ahead of time is like nothing I've experienced before. Could not recommend highly enough. Subscribe to Adrian's newsletter too if you want a no B.S. commentary that is unlike the sanitised drivel coming from mainstream financial reporting.
jeff allott
jeff allott
June 22, 2023.
Sound knowledgeable and friendly service with advise tailored to my requirements
Natalie Gaby
Natalie Gaby
January 12, 2023.
I highly recommend Super Equity to anyone needing assistance or guidance with their Super. Tracy was very thorough and clearly explained how Super works and why she made particular recommendations for us. Her (and the team's) customer service is outstanding with being very personalised, and we look forward to a long working relationship with them.
Charlie Gimblett
Charlie Gimblett
August 8, 2022.
A huge thanks To Tracy And Adrian from Super Equity for sharing their knowledge on the recent Introduction To The Stock market Course I attended. The course was fabulous and gave a great insight on how the world operates from Share Markets, to Economic Cycles, World Currencies and great tips on how to look for opportunities on how and where to invest based on local news and world events along with overseas markets and indicators. Also thanks again Adrian for the Silver coin for 1st prize as part of the demo share market game we played over the duration of the course. Would thoroughly recommend the Stock Market course as well Tracy and Adrian's knowledge on our own investments. Cheers Charlie
Leigh P
Leigh P
April 29, 2022.
Tracy has been a pleasure to deal with. Found her very approachable and patient. She is very knowledgeable in super funds and I would highly recommend her to anyone who needs more education on how to make their super work for them.
Lena Diez
Lena Diez
February 25, 2022.
My husband and I have had the privilege of receiving the guidance, services and support from Tracy for over 5 years. Having joined Super Equity has been one of the best financial decisions we have made to date. Tracy's extensive experience and knowledge has guided and helped us improve in our financial journey. No question is to silly, Tracy is always available for any query you have and gives us the time to explain our portfolio and investments. Receiving the daily morning reports has been helpful to understand and learn the market. We have always highly recommended and will not hesitate to recommend Tracy and team for any and all financial guidance. Thank you Tracy and look forward to your continual support.
Tessa Daal
Tessa Daal
October 13, 2016.
Tracy has been an amazing teacher. I have gone from having no idea about what my super was doing and feeling really overwhelmed by the thought of all that it involved, to now being in control and understanding. Through super equity's I have a transparent, easy to understand managed fund. Tracy has even put me into contact with advisors specialised in life insurance and income protection. I cannot thank Tracy enough for empowering me and helping me organise all my affairs. If you need someone patient an knowledgeable to organise your super and investment portfolio, Tracy is the best!!
Dianne Bentley
Dianne Bentley
July 8, 2016.
The service and support received from Super Equity has reached and surpassed all our expectations. Having previous experience with stock brokering firms over an 11 year period has highlighted to me how superior the service and support received from Tracy Askew at Super Equity is. For myself and for my clients. Tracy's in depth fundamental and technical knowledge in all areas of the market reduces many hours of my time in the research needed to be successful and profitable for myself and my clients.