February 2016

Office News 
Self-Managed Superannuation
Business and Tax
Something for the Farmers
Financial Planning - Insurance
Financial Planning - Share Market Update

Office News


Christmas at Pursuit
The festive season at Pursuit Advisers was celebrated with a party in the park after work on Friday 18 December. Even though the weather was close to 40 degrees, fun was had by everyone, including a visit from Santa for the kiddies and lovely baked spuds for all to enjoy.

On the final day in the office, the team participated in a Kris Kringle, where everyone ended up dressed in Christmas costumes, before enjoying a late lunch and some drinks at a local restaurant. It was great chance for every-one to unwind after what was a big year for the Pursuit team.

Team Update

Our last day in December marked the final day at Pursuit Advisers for Chelsea Lieshout, who after three and bit years with us, has decided to make the move to the City. We wish Chelsea all the best for the future and thank her for everything she contributed to our business – Chelsea was our first employee in the Business & Tax Team, back in July 2012.

On a brighter note, in December, we welcomed Dani Russell to the team.
Dani is 24 years old, lives in Warragul, and joins the team in the role of Team Administrator for the Business & Tax team.
Already, in her short time with us, Dani has fitted into the team nicely, and with her previous experience in the accounting industry, Dani brings fresh ideas to the table that will help continually improve our business and client service.
Welcome to the Team Dani Russell.

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Self-Managed Superannuation

Have you heard about FundWeb?

FundWeb is Pursuit Advisers personal client portal for your self-managed super fund.
When using FundWeb you'll have the ability to see how your fund is performing at any point during the year. It's a great way to see how your super is growing throughout the year rather than waiting until tax time.
Your listed investment valuations are updated daily and we will process your fund transactions on a minimum of a weekly basis meaning you will have up-to-date information available at your fingertips.
Through this portal you will also be able to view all your bank account transactions in the one place without needing to log in to multiple websites.
FundWeb also provides access through an iPad app giving you quick, easy and mobile login whenever you need it.
If you are interested in having access to FundWeb, contact your adviser to organise your personal login today.

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Car Buyers Beware

We have had a several clients contacting us after obtaining quotes for finance from car dealers to purchase new cars. In one instance we found that the car dealer quote for finance was over $6000 dearer than that provided by Pursuit Lending. In another quote the car dealer was cheaper than what we could offer. Part of our service that we offer at Pursuit Lending is an obligation free quote for Equipment Finance and we urge you to contact us for any type of transaction you are considering. It's important that we compare apples to apples and it's about com-paring the overall repayments rather than an interest rate quoted.

Home Loan Health Checks

This time of year you will be receiving your six monthly home loan statement in the mail and it may be time to consider your options.
Things to consider are:

  • Does your current home loan suit your needs?
  • Fixed or variable interest rates?
  • Do you want to utilise your equity in your home for investment use?
  • Do you want to reduce your repayments and consolidated debts such as credit cards or car loans?

At Pursuit Lending we offer a free home loan health check and have the access to all types of Home loans to assist in meeting your financial goals.

Did You Know?

We can assist in you in helping your children purchase their first home by utilising a family guarantee over your home to provide the equity needed for them to purchase a house. The Family guarantee is limited reducing the risk to you and eliminating the cost of Mortgage Insurance charged by the Banks where limited deposit is available. Talk to today to Pursuit Lending.

Contact our Lending Consultant, Dale Smith on 0439757995

or email 

Dale Smith is a credit representative (479787) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).

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Business and Tax

All businesses should have a website, but the days of just building a website and leaving it be are gone – you need to continually focus on attracting people to your website and updating its content. One of the most cost effective methods to do this is using Search Engine Optimisation (SEO)


Search engines, such as Google are a popular tool used by pretty much everyone to find things they want on the web, including your website.

What does SEO mean?

In simple terms, search engine optimisation means 'making it easy for search engines to find your website'. The goal of the process is to get traffic to your website, from search engines, without paying for advertising. The higher your website appears on a search results page (known as a "SERP"), the more visitors it is likely to get.
To succeed at search engine optimisation, everything that makes up your site should be written or labelled in a way that search engines can understand. Your site is made up of many elements, including the content and images on the page and the code behind it – all of which search engines consider.
This process is known as 'organic', 'natural', or 'unpaid' search marketing (as opposed to paid search).
In other words, if you want anyone to find your website without paying for advertising, your success depends on SEO.

How does SEO work?

There are many factors that search engines take into account. Google has previously revealed that their algorithm assesses roughly 200 variables. Some of the basic ways to maintain a website that appeals to both users and search engines include:
• making sure you use relevant, descriptive keywords for your titles, copy, URLs, and images
• having fresh, relevant information on your site
• creating content that other people want to share and link back to.

Make sure you're using SEO correctly

There are penalties in place for websites who employ unethical, "black hat" SEO practices such as keyword stuffing or spamming. Google can actually recognise these methods, and will penalise the guilty website by pushing them further down the rankings than they would have been otherwise. This is another reason it's im-portant to talk to an expert about SEO for your website, as they can help steer you in the right direction.

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Something for the Farmers

Figured is a cloud-based livestock and crop reporting and budgeting tool that works hand-in-hand with Xero to help farmers improve farm performance and profits. A Xero Farming Partner, 

Figured uses the power of the cloud to provide one set of real-time financial in-formation to the whole farming team - the farmer, the accountant, the banker and the farm consultant. Figured and Xero bring stock reconciliation, cash flow, forecast profit and loss, balance sheet movements, formal accounts and tax statements together on the same platform, making it easy to collaborate, wherever you're working.

For more information visit

Or contact Stuart at our office on 5623 3778 or via email at

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Financial Planning– Insurance

"My name is Dean. Both my wife & I took out Personal Accident, Trauma, and Income Protection Insurance when we started our business back in 2004. We had 2 young children at the time, and only recently purchased our first home, so we thought it best to look in to it.

Jamie Klason took the time to help us out, seeing what level of cover we would need, the whole time thinking we would never need any of this, and that we would simply be forking out money each month for nothing, for something that in reality would never happen, because of course we would live happy, healthy, and forever.

Recently I was diagnosed with Motor Neuron Disease (MND or ALS). This is a terminal illness, in which average life expectancy is 2-5 years from diagnosis. MND is the name given to a group of diseases in which the nerve cells - neurones - controlling the muscles that enable us to move around, speak, breathe and swallow, fail to work normally. With no nerves to activate them, muscles gradually weaken and waste.

Upon diagnosis Jamie has helped us out over and beyond what we expected. Sympathetic, empathetic, and just plain nice throughout the insurance claims process, and since with any questions we have.

With the Trauma cover we were able to wipe our mortgage, thus freeing up disposable income to en-able to us to do things as a family whilst we can. My Income Protection Insurance has kicked in. Whilst it isn't as much as I was earning, without a mortgage to worry about, it covers all our living expenses, and we can carry on as we did before.

With all this in place, and my Superannuation policy there, with a death policy included in it, I know that after I'm gone my wife and kids will be fine financially. Pursuit Advisers will be able to assist with financial advice on how best to invest my superannuation & death policy to ensure my family is fine when I'm gone.

So, off to live life to the fullest, and enjoy every moment I have, leaving my family with lots of memories. Live life like you will get hit by a bus tomorrow. It happened to me, all be it a slow moving bus."

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Financial Planning - Share Market Update

The 2015 calendar year was a challenging year for the Australian Share market. 

Early in 2015 the market rose sharply with the Australian All Ordinaries Index increasing by more than 10% during the first quarter. Then it was almost in free fall for the rest of the year, ending the year at just under 1% lower than it started the year. 

The numbers we are quoting are exclusive of dividends paid by the companies, they represent the movement in prices only. The average market dividend is said to be around 5% so this means that the average Australian share investor return for the 2015 calendar year is 4% after the negative price movement. This is a better return than bank interest but certainly not in the realms of 10% which is the historical long term average share market return.

At Pursuit Advisers we are focussed on income and for share investors this means dividends. We are pleased that our portfolios average dividend returns closer to 6.5% and therefore the investment philosophy that we use has returned 1.5% more to our clients than market averages in 2015 - via the increase in dividends received. 

The 2016 year has not started well with prices heading down from the open and we see volatility continuing for some time. Dividends and an income focussed investment philosophy are more important than ever and this is our main focus heading into the rest of 2016. This is not another Global Financial Crisis the factors effecting the market are different and the risks are different. 

Investors need to hold their shares, and their nerves, it is not time to sell shares now.

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"seen as a very important part of our organisations future. The level of service is well above what would be considered the norm"

Dale Sumner - General Manager of Lakes Entrance Fishermens Co-op & Leftrade Limited

"From the front desk to the director is outstanding, I have replies to my emails within the same day to answer any question. My Wife and I have been able to take our business to the next level"

Ben and Julie Whiteley

"They provide us with well-researched financial and business advice, take care of all our tax responsibilities and financial needs, and even check in from time to time to see how we’re going"

Jessie Ballantyne- Director of The Grants Hub

"Business has grown immensely which is a testament to his effectiveness, guidance and good common sense approach"

Robert Radford- R. Radford & Sons Pty Ltd

"They have taken the time to get to know us as a business, and go above and beyond in helping us grow."

Jessie Ballantyne - The Grants Hub