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About Inbam Devadason

Inbam is a Director at Harvest Financial Group, and has been in the financial services industry for twenty four years. He is a qualified Actuary and Financial Planner who specialises in investment and superannuation. During the course of his career, Inbam has advised individual clients, superannuation trustees, corporate executives and company boards. In his spare time Inbam likes to give back to the community by volunteering his financial expertise to charities and non profit organisations. And he certainly keeps busy with his four children aged nine, seven, four and three.

Global markets and your investments

There has been a lot going on in global markets over recent months. It would be wise, and prudent, to keep on top of these global risk factors and their impact on your investments. It can be quite difficult to keep up with what is happening and understand what this means for your investments. Initially

SMSFs and buying property

We will often get enquiries from people asking if it would be a good idea to use their superannuation to invest in property. There certainly is a growing trend for people to set up SMSFs for the purpose of buying a property. If you are considering doing this, we would recommend that you equip

Thinking about a Self Managed Super Fund?

A Self Managed Super Fund (SMSF) is a way of saving for your retirement. They work in a similar way to all other superannuation funds, abiding by the same superannuation and income tax laws. The big difference with a SMSF is that as a member of the fund you are also a Trustee, which means

Interest rates will rise at some point

It would be easy, with the long period of low interest rates that we have experienced, to forget that interest rates will rise at some point in the future. The key to being properly prepared is to be aware that an interest rate rise can occur, and to think through what would happen in your particular circumstance if this did happen.

Investing in a low interest rate environment

The official cash rate is now 2.25%, and many investors are still holding cash in online savings accounts and term deposits which are typically paying around 3.0% to 3.5% pa. While it’s accepted that interest rates will head higher again at some point, there are differing views as to whether the RBA will cut the