DelphiNews March 2012

Welcome to the March edition of Delphi Financial Management's Newsletter.

I’m pleased to provide you a link to the latest Market Update for March 2012 below.

Starting off in Europe, the sovereign debt issues with Greece have unfortunately re-emerged again. While a deal was agreed at the last minute to help Greece avoid defaulting on loan, it’s hard to say how long this situation will last.

The latest data from the US was mixed. While retail sales and small business sentiment for January was below expectations, jobless claims for the month were at their lowest levels in around four years, which may indicate falling unemployment.

Back on the home front, the unemployment rate fell to 5.1%, retail trade data rose in January and the RBA kept interest rates at 4.25%.

As markets continue to remain uncertain in the short term, please remember to remain focused on your long-term goals.

Other articles include an update on Superannuation Contributions with a Financial Health Check for the over 50s.

In "Secrets of the world's best investors" we take a look at some lessons from successful investors.

Please contact me if you have any questions regarding these articles or your investment portfolio.

If you would like to provide some feedback please contact us.

Regards

Vince Dore

Director

Vince Dore and Delphi Financial Management Pty. Ltd are Authorised Representatives of GWM Adviser Services Limited ABN 96 002 071 749, trading as Garvan Financial Planning/MLC Financial Planning an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.

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