It’s January and the start of a new year. Whether you are back at work or enjoying a summer break, we wish you all a Happy New Year and a return to normal life in 2022.

It was nice to spend a little bit of time off (nowhere near enough) with family over the holiday break, but its now back to work for the Excel Team.

The global economy and financial markets ended the year as they began, all over the place, as the world grappled with a new wave of COVID-19.

Lets hope the current surge in Covid-19 positive cases peaks shortly then starts to decline and things get back to some form of normality, although I feel the uncertainty may be with us for some time. In the meantime, keep well – stay safe.

Stuart Fitzpatrick and Excel Financial Advisors Pty Ltd are authorised representatives of Interprac Financial Planning Pty Ltd AFSL 246638 registered office at Level 8, 525 Finders Street, Melbourne VIC 3000. 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 advice prior to acting on this information. Investment Performance: Past performance is not a reliable guide to future returns as future returns may differ from and be more or less volatile than past returns.