Top Stocks 2017: A Sharebuyer’s Guide to Leading Australian Companies

Top Stocks 2017December 5, 2016 by Martin Roth (Author)

Invest smarter with Australia’s most trusted guide to stock selection

Top Stocks 2017 is your expert guide to the Australian sharemarket. Now in its 23rd edition, this book represents the benchmark standard of rigorous analysis and stringent selection to give you the inside scoop on the nation’s top companies. From beginner to expert, regardless of your portfolio size, renowned financial journalist Martin Roth guides you toward the stocks that offer the best low-risk, long-term value for your money. You’ll see how Australian companies stack up in terms of profits, debt and dividends, with over 100 charts and tables by best-selling author Alan Hull. No hype, no nonsense and not a single bit of spin – just the time-tested methods and expert analysis that have made Roth a household name.

Martin Roth isn’t swayed by big names or media coverage, and he doesn’t listen to the pundits. He applies strict analyses to financial data to paint a real-world picture of each company’s outlook. The numbers don’t lie, and this book gives you access to their testimony so you know where to put your money in 2017.

  • Learn what the experts have to say about the year’s best stocks
  • Compare sales and profits across companies with in-depth analysis
  • Find financial rankings for the top Australian companies
  • Look beyond share prices to see the real measure of a company’s worth

You work hard for your money, yet the investing world is crowded with people who would have you throw it away on the latest trend. Martin Roth cuts through the fat and the noise to help you make your money work for you for a change. Invest smarter this year with Top Stocks 2017, the definitive guide to Australia’s best picks.

Preorder Top Stocks 2017: A Sharebuyer’s Guide to Leading Australian Companies


Mortgage Rates Are Creeping Up

RBAWith future rate moves uncertain, fixing your mortgage rate now may pay off in the long run, however ensure you do some research first. From the beginning of this year, over 20 mortgage lenders have increased their home loan rates. Some of these lenders have increased only their investments loan interest rates and others have increased the rates across their entire suite of home loan products.

In Australia, the recent spate of rate rises is merely the start of things to come considering the increasing wholesale funding costs and new prudential rules. In light of this, we may see many lenders changing their product pricing out of cycle with the Reserve Bank of Australia (RBA). From RBA perspective, there are hopes that it will cut the official cash rate probably once before the year ends.

And from the reviews of the three, six, and nine forward rates, it can be seen that the domestic market has already factored yet another a rate cut. Besides, the US Federal Reserve is now talking about feathering the throttle despite lifting the cash rate in December 2015. This was the first time in seven years.

The US Federal Reserve released a statement saying that the global economic and developments continue to pose high risks. This has made all the future rate increases to be firmly put on the backburner. These factors imply there is room for the RBA to change its stance on monetary policy. The high level of uncertainty surrounding the future of our interest rates is likely to influence many borrowers to fix their mortgage rate.

According to statistics from mortgage choice data, about 23% of all loans written are at least part fixed. This percentage is growing all the time. Although, fixed rates can really help borrowers avoid future rate hikes, some borrowers never fix their mortgage to beat the risks of rising rates. Suitability rather than pricing should entirely drive the choice of product. And if you are among those worried about rising interests’ market research is king. You should also consult with experts and professional to see what other product options are available.

How To find Out Your Credit Score

Credit ScoreWith doubt, it pays to keep an eye on your payment habits. Before applying for loan or credit card, it is always a good idea to find out your credit score first. Your credit score and credit history play a big role in determining whether or not your finance is approved or not. Your lender may employ different methodology from some credit score websites. However, these websites will give you important ideas of whether it’s possible for you to obtain finance.

You can get your credit score for free from two websites, and that’s and Peer-to-peer lender SocietyOne backs, and it uses Veda data. uses information from Experian. Although the sites use different data, you can get your credit score from both of them.

The good thing about these websites is that you don’t have to worry about your credit score because they don’t affect your credit file. Requirements for getting your score include, your full name, date of birth, email, driver’s license number and current address. After filling these details on either of these websites, your score will appear on the screen, but the two websites have different scoring ranges.

For instance, on GetCreditScore, the scores ranges from 0-1200 while CreditSavvy ranges from 0-1000. The higher your score are on both websites, the better. Ratings are subject to change over time. More so, if your score results aren’t great, you don’t have to worry because there are things that you can do to improve the score. You can start by paying down your credit card balance. Remember that carrying a high percentage of debt in relation to available credit pull down your credit rating, that’s why it’s important to focus on paying down these balances.

Credit Score FactorsSecondly, you can concentrate on improving your payment habits. Try to keep your payment history positive because it accounts for 35% of your credit rating. It’s considered right to close all accounts that you no longer use.  A percentage of your score is dependent on the length of your credit history. Typically, a long credit is considered beneficial; you may, therefore, want to keep your old accounts open to make your overall credit history as lengthy as possible.

Above all, it is also important to maintain a good mix of credit because lenders want to see a mix of credit types as a guarantee that you can easily handle different types of credit such as mortgages, car loans, credit cards and personal loans. To wrap up, when you want to apply for credit, do it when it is necessary. Keep in mind that, application for a credit card or loan is an activity that is reflected in your credit report. Therefore, too many applications in a short period of time can significantly affect your credit history.

Top Stocks 2016: A Sharebuyer’s Guide to Leading Australian Companies

by Martin Roth (Author), Paperback – January 26, 2016

Top Stocks 2016Invest smarter in 2016 with this bestselling stock analysis guide

Top Stocks 2016 is the definitive guide to Australia’s best stock exchange picks. Internationally-renown financial journalist Martin Roth once again applies his rigorous analysis and stringent selection criteria to show you which public companies offer the best low-risk, long-term value for your money, regardless of your portfolio size. With clear organisation and easy-to-read formatting, this guide looks beyond share prices and cuts through the hype to assess every company on profitability, debt levels, and dividends. Over 100 tables provide guidance at a glance, so you can quickly assess any possible investment and make the best decision for your finances. Starting with the All Ordinaries index and carving out the fat, this invaluable guide distills a concise selection of premium companies across market sectors.

Now in its 22nd edition, this book is Australia’s bestselling sharemarket guide because Roth’s methods have stood the test of time and weathered several stock market cycles. Why let another year go by without reaping the benefits of proven expert analysis? It’s time you claimed your share.

  • Get the experts’ opinion on top Australian companies
  • Compare sales and profits data, with in-depth ratio analysis
  • Delve into the research on each company’s overall outlook
  • See where each company ranks according to financial data

Don’t waste another cent on trendy “hot” stocks or the next flash in the pan. Go with the evidence and proven track record of one of Australia’s leading stock market authorities. You work hard for your money, so make your money work hard for you by investing smart with Top Stocks 2016.
Buy Top Stocks 2016: A Sharebuyer’s Guide to Leading Australian Companies here.

Term Deposit Investments With CME Capital

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To furthеr understand about a tеrm dероѕіt аnd how it wоrkѕ, rеаd this CME Capital rеvіеwѕ.

Tо ѕесurе one’s futurе, іnvеѕtіng соuld be аn еxсеllеnt орtіоn. Tеrm deposit іѕ knоwn tо bе mоrе рорulаr whеn tаlkіng аbоut ѕаvіngѕ аnd іnvеѕtmеntѕ. It саn еіthеr be a ѕhоrt tеrm or a lоng tеrm deposit. Tеrm deposits are funds deposited іn аn account thаt have a fіxеd tеrm. Onсе an investor chooses this tуре оf іnvеѕtmеnt, thеу nееd to undеrѕtаnd thоrоughlу thаt thеіr mоnеу can оnlу bе withdrawn uроn its mаturіtу. It іѕ a safe іnvеѕtmеnt аnd thеrеfоrе very арреаlіng to thе рublіс. Thе earned іntеrеѕt rаtе wіll depend on thе chosen аmоunt аnd tеrmѕ. It is whеrе you mаnаgе tо ѕаvе ѕоmе mоnеу аnd еxресtіng a hіgh rеturn of іntеrеѕt оn уоur dероѕіt.

Whаt about thе interest rаtеѕ?

A Term Dероѕіt interest rate may vаrу dереndіng on the type оf іnvеѕtоr уоu аrе. Try tо еvаluаtе thе mаrkеt and choose thе ones that аrе аррlісаblе tо уоu. Yоu саn compare each term dероѕіt according tо their tеrm орtіоnѕ and іntеrеѕt rаtеѕ rеturn. Lоng tеrm is thе mоѕt арреаlіng аѕ іt оffеrѕ hіghеr іntеrеѕt rаtеѕ.

But оf соurѕе, thе interest rаtеѕ аrе nоt оnlу thе ones tо соnѕіdеr but also thе annual fees, рауmеnt rаtеѕ аnd hоw уоu will rесеіvе notice whісh саn bе еіthеr оvеr thе phone, іntеrnеt оr a lеttеr. Thе mоѕt соmmоnlу рurсhаѕеd tеrm dероѕіtѕ includes hіgh іntеrеѕt, fixed, short tеrm, аnd lоng tеrm. Yоu саn trу tо сhесk thеm оnlіnе fоr уоu tо ѕее whісh аmоng thеѕе соuld gіvе уоu the bеѕt оffеr.

Hоw to аррlу?

To аррlу, уоu саn juѕt simply vіѕіt thе wеbѕіtе for investments, read аnd undеrѕtаnd thе іnfоrmаtіоn рrоvіdеd thеrе, соmраrе thе rаtеѕ аnd ѕеlесt thе tеrm of уоur сhоісе. Aррlуіng оnlіnе is the fаѕtеѕt wау tо get a term dероѕіt ассоunt. Yоu juѕt nееd to fill uр thе necessary information аnd bе prepared to ѕubmіt оthеr rеԛuіrеmеntѕ as instructed.

It was аdvісе that оnсе уоu hаvе rеасhеd thе mаturіtу оf your term deposit, investors are encouraged to соmраrе dеаlѕ оn the market fіrѕt bеfоrе lеttіng their dероѕіt rоll over into a nеw tеrm. The rаtеѕ аrе knоwn to fluсtuаtе rеgulаrlу ѕо thе rаtе tо rе-іnvеѕt mау оr mау nоt be thе best option fоr уоur finances. Alwауѕ сhесk updates regarding term dероѕіt frоm news and mаrkеt trends fоr уоu to bе аwаrе оf the financial and есоnоmіс issues. This will hеlр уоu determine whеthеr іt’ѕ thе right tіmе tо іnvеѕt оr nоt.

TD соntіnuеѕ tо present аttrасtіvе fеаturеѕ fоr mаnу Australian сuѕtоmеrѕ. Cеrtаіnlу, the best value rаtеѕ аrе what mаnу іnvеѕtоrѕ are looking fоr.