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ASX climbs but investors dump British and EU-exposed stocks - The Sydney Morning Herald

Australian shares climbedhigher on Monday afterinvestors digested Friday's Brexit vote, with shares enjoying broad-based support, butBritish and European exposed stocks continued their sell-off.

Bargain hunters returned to the S&P/ASX 200, sending the index 0.5 per centor 24points higher to 5137.2. The All Ordinaries climbed 0.5 per cent or 23 points higherto 5216.2.

It followed a positive day around the Asian region, with Japan's Nikkei among the strongest bourses, posting a 2.2per cent gain in late trade after falling almost 8 per cent on Friday.

QBE was among British and EU-exposed stocks sold down in an otherwise positive day on the ASX.

QBE was among British and EU-exposed stocks sold down in an otherwise positive day on the ASX.

Contrary to theindiscriminate selling that wiped $50 billion off the benchmark index on Friday after the referendum vote resulted in favour of Britain exiting the European Union, investors homed in on directly affected stocks, Watermark Funds Management analyst Omkar Joshi said.

"It's very stock specific. It's not an across the board sell off in contrast to Friday, it's more measured and controlled," he said.

While most sectors ended higher,the financial sector was where investors most wielded the axe.

Bargain hunters returned to the S&P/ASX 200 on Monday.

Bargain hunters returned to the S&P/ASX 200 on Monday.

Fund managerHenderson Group, the day's worst performing stock, fell 15.9 per cent to $3.75 andBT Investment Management fell 10.2 per cent to $7.82.

"Brexit effectively means not only [these companies] havehad a lot of hesitation in flows coming in the last quarter, going forward there's also going to be weaker fund flows," Mr Joshi said.

Clydesdale Bank, National Australia Bank's British spin-off, fell 9.4 per cent to $4.14.

QBE shares also took a hit, down 6.8 per cent to $10.23despite the bank assuring investors it did not "anticipate any material impact on our day to day insurance operations".

MrJoshisaid the market was pricing inthe immediate impact from the currency markets on fund flows, and said there could be more downside for specific British and European-exposed financial stocks once the next level effects of theBrexitare considered.

The big banks were mixed. ANZ Banking Group lost 0.7 per cent to $23.27, National Australia Bank fell 0.4 per cent to $24.51, while Commonwealth Bank of Australia rose 0.3 per cent to $72.80 and Westpac Banking Corporation ended 0.1 per cent higher at $28.38.

Michael Price, AMP Capital head of fundamental equities, said that a lower global growth and bond yield environmentcould lead to aresurgence in the yield trade. Australian shares have long been feted for their relatively high yield.

But it was unclear whether Australia would be regarded by investors as a safe yield-haven or a vulnerable economy, he said.

"The Australian market has rallied for three years without earnings growth and could be considered expensive and vulnerable to a loss of global confidence," he said.

The weakest sector was information technology, down 2.1 per cent, heavily weighted by Computershare, which fell 6.6 per cent to $9.24on its British exposure.

The big miners were the among the strongest performers among the blue chips, albeit recouping just some of the heavy losses suffered on Friday.

BHP Billiton was the strongest stock by weight, rising 3.1 per cent to $18.08, whileRio Tinto rose 2.9 per cent to $44.07. Fortescue Metals Group was the day's best performer, up 8 per cent to $3.53.

The topperforming stocks included 'safer' or defensive picks including Telstra, which rose 2.2 per cent to $5.47,Transurban adding 2.7 per cent to $11.91 and, CSL, up 1.9 per cent to $108.82.

In the retailers,Woolworths rose 0.6 per cent to $20.68 andWesfarmers eased0.1 per cent to $39.21.

Telstra pulled the telecommunications sector to the best performer of the day, rising 2.2 per cent, followed by utilities up 2.1 per cent.

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KEFI expects Ethiopia financing deal by June - Proactive Investors UK

Gold group KEFI Minerals PLC (LON:KEFI) anticipates presenting its financing plan for the Tulu Kapi mine in Ethiopia to shareholders at the AGM in June.



The gold group said a package of around US$65mln senior secured debt, US$15mln overrun facility, US$40mln gold finance plusa 100,000 oz hedge facility was under discussion.



Equity finance will add a further US$25mln including US$20mn from the Ethiopian government.



Capital expenditure for the mine is estimated at US$145mln, with production schedule to start from the end of next year at a rate of 115,000 oz annually at an all in sustaining cost of US$742 per oz.



Adding an underground operation would boost output to 150,000 oz per year and start after a chunk of the development finance has been paid down.



Elsewhere, KEFI is taking to regulators in Saudi Arabia over its licence application for Jibal Qutman.



The equity capital requirements for the heap leach operation will be less than US$5 million for KEFI's 40% share, based on a capital expenditure of under US$40 million and approximately 75% being provided by project finance.



Harry Adams, executive chairman said solid progress had been made over the last quarter in Ethiopia



Projected cash flows are robust, with the first three years of open pit production targeted to repay all debts, commence the payment of dividends and fund growth in the highly prospective Arabian-Nubian Shield.



We look forward to soon finalising the Project's integrated syndication package and proceeding with development."

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Take A Minute To Get Personal Finance Information

In today's world financial goals are important. Whether saving for a car, home or even college tuition for your kids, you need a solid plan to hit those goals. Advice can be the best thing for building your foundation for a plan or impacting the plan you already have set forth. Read ahead and find some help that can make the difference you need.

Look into a better plan for your cell phone. Chances are if you have had your cell phone for at least a couple of years, there is probably something out there that will benefit you more. Call your provider and ask for a better deal. Alternatively, look around and see what is being offered.

If you decide to hire a credit repair firm to help with fixing your credit, make sure you understand what they charge. Many firms charge you by the number of disputes and deletions attempted with no guarantee of success. Try to find a credit repair firm that charges fair and has no hidden fees.

Selling some household items that are never used or that one can do without, can produce some extra cash. These items can be sold in a variety of ways including many different online websites. Free classifieds and auction websites offer many options to turn those unused items into extra money.

You can better understand where your money goes when you write down how much you spend every day. However, if you put this into a notebook that you can just shut and put away until you deal with it later, you may find it just gets ignored. Purchase a big whiteboard and place it in a visible spot. Write down everything you spend on that. It will be center and front during your daily activities and hard to avoid.

When it comes to maintaining your financial health, one of the most important things you can do for yourself is establish an emergency fund. Having an emergency fund will help you avoid sliding into debt in the event you or your spouse loses your job, needs medical care or has to face an unexpected crisis. Requires some discipline, though setting up an emergency fund is not hard to do. Figure out what your monthly expenses are and set a goal to save 6-8 months of funds in an account you can easily access if needed. Plan to save a full 12 months of funds if you are self-employed.

Applying for financial scholarships and aid can help those attending school to get some extra money that will cushion their own personal finances. There are many different scholarships a person can try to qualify for and all of these scholarships will provide varying returns. The key to getting extra money for school is to simply try.

It is important to find a bank that offers a free checking account. Some banks charge a monthly or yearly fee to have a checking out with them. These fees can add up and cost you more than it's worth. Also, make sure there are no interest fees associated with your account

If you have a parent or other relative with good credit, consider repairing your credit score by asking them to add you an authorized user on their card. This will immediately bump up your score, as it will show up on your report as an account in good standing. You don't even actually have to use the card to gain a benefit from it.

Keep your checkbook balanced. It's really not so hard and can save you the embarrassment and expense of bounced checks and overdrawn fees. Do not just call the bank for a balance and count on having that amount in your account. Some debits and checks may not have cleared yet, resulting in overdrafts when they hit the bank.

Recognize the signs of too much debt! This is an important trait to have. Develop this trait to effectively manage your personal finances. The amount of debt you have will affect your credit score. If you see that you are headed for trouble - quickly act on it - before you ruin your credit score. It is important that you are aware how much debt you are accumulating.

Make sure you are carrying cash or your debit card for small purchases. You do not want to have to put small purchases on your credit end and card up paying interest on them. Some merchants also put restrictions on purchases made with a credit card not allowing you to put under 10 dollars on it.

Consider closing one of your higher interest credit cards and opening a credit line that has rewards. This can help you gain things for free. Buy things on the credit card and make sure that you pay off the balance every month to avoid interest charges racking up every month!

The first step in managing your personal finance is to pay down your debt. Debt carries interest, and the longer you hold on to debt, the more interest you will have to pay. If payments are overdue, you may also pay penaties. So, to rein in the runaway interests, pay off your debts as soon as possible. When you have done that, then you can start saving.

If you do not mind doubling your money every seven years, uS savings bonds are always a safe investment to make. Purchasing savings bonds systematically can build up your portfolio rather quickly. Granted the returns are not quite as large as a good year in the stock market. However, they are high yielding, safe investments you can make.

If you are using a checking account that has fees save yourself the hassle and open a free checking account. You can save a lot of money every month by just switching to a bank that does not charge fees for transactions, etc. Shop around and find the best bank for you!

To help you improve your personal financial situation, use direct deposit to ensure your paycheck goes directly into the bank. If you decide to cash your check immediately instead of depositing it, it will be more tempting to spend the money instead of saving it. Direct deposit will ensure you save more money and improve your personal finances.

Keep good financial records. This ensures that you can claim all of your claimable tax credits and deductions. Set up your use and system it for the entire year. This keeps you from getting stressed and scrambling for documents when tax time arrives. Everything will be in order and ready to go with a good system in place.



Properly managing personal finances is extremely important for everyone. Now that you have read this article, you should be able to see that managing your personal finances is not really an insurmountable goal. You will become better able to order your personal finances, by applying the information we share here.

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The Personal Finance Information You've Been Looking For

It can seem like you will never be able to dig yourself out if you find yourself in a mountain of debt. Start creating strict shopping and budgets lists that will help you stay on track with your income. Read this article for more tips on managing your personal finances.

Before committing to a specific lender for financing, shop around. Talk to several loan officers, and always get terms on paper. You can also let the loan officer know of other rates you have been quoted, giving them a chance to compete for your business. Additional fees and charges as well, although be sure to not only compare interest rates.

Stop charging a credit card that you have issues paying off. Go over your expenses and eliminate things that are not vital to your survival. Try to find another form of payment for the things that you really cannot live without. Before you begin using it again, pay off the full amount. Afterwards, try to pay off the full amount every month to avoid interest charges.

Take a look at your investments. It might be time to do that if it's been a while since you did any financial shifting of assets. With the changes in the economy, what used to be a good safe bet, and what used to earn lots of interest per year, has changed.

Knowledge is one of the more essential components to understanding where you are and what must be done to establish your goals. Realize that over time, your expenses are bound to go up and plan. Maintaining this understanding, will reduce stress and put you in a better situation, financially.

Make big purchases a goal. Instead of putting a large item purchase on a credit card and paying for it later, make it a goal for the future. Start putting aside money each week until you have saved enough to buy it outright. And not be drowning in debt because of it, you will appreciate the purchase more.

Put it in an online savings account if you have extra money. These accounts can earn you a lot of interest, which can add up to a lot of money over time. Use an online savings account if you want to make your money work for you to achieve your monetary goals.

Find out whether the utilities are included in the rent or you have to pay them separately. If you need to pay your utilities separately do some research and find out how much the average utility bill is. Make sure you can afford the utilities and the rent together or look for public assistance programs you may qualify for.

Keep up with highly important documents like death and birth certificates, previous tax records, insurance policies, and wills by using a scanner to scan them to your computer system. Next, burn the images onto a single CD-R disc that can be easily accessed for your reference. This makes it more convenient to track down critical information in a snap.

Talking to a good friend or family member that has worked in the financial services industry can be a good source of free information on how to better manage your finances. A family member who manages their own money well could be helpful if one doesn't know anyone who works in the financial sector.

Make sure you are using one that offers rewards if you are the type of person that likes to use a credit card. You can earn things like cash back or you can pick out items in a catalog. These can be great presents to give to people for birthdays or holidays.



Use coupons and discounts. Take time to search for coupons and discounts that you can use, before you make a purchase. This can be time consuming, but you can often find excellent deals and good-sized discounts that make the time worth it. Save money by looking for discounts and you'll be happier with the purchase, too.

Taking the time to actually assess your goals is a great way to stay in full control of your financial situation. Sit down with a pen and a pad and write down your goals in life, as if you're creating a business. Saving money surely does, although you'll find that spending a lot of money doesn't fall in with your plans.

Avoid impulse buying and extra trips to the store for single items. Keep a running shopping list on your refrigerator door or in some other convenient location. Add items to your list as you run out or as you think of them. Review your list and add any other items you can think of, before you go shopping. Follow your list closely in the check and store out and leave when you have gotten each item you need. This method will save you time, gas and money.

Avoid eating out all the time if you want to save money. Eating at a restaurant is okay once in while but doing it all the time will really hurt your pocketbook. You have to pay a tip and you are using gas to get there, even though not only do you have to worry about paying the bill.

Social Security, which is an earned benefit (you pay into it), is now being tarred as an "entitlement," just to give you a clue about what's to come. Prepare for the worst and assume that psychopathic politicians will steal your Social Security. If your job offers a 401k, max it out.

If you are currently having financial troubles, never spend any money you haven't earned. That means you need to take all those cards and trash them. This is something that's harder to do than it is to say. You might think that having a little bit of credit left goes a long way. But stop the bleeding by getting rid of the credit.

Ignore the conventional wisdom of investing in 80 percent stocks and 20 percent bonds, and instead aim for a 50-50 balance, if you are young. Given the volatility of the market, you can still lose quite a bit by putting most of your money in stocks. Having a mix of both may reduce your returns a little bit, but it might also cushion you against huge losses.

Being consistent with your personal finances is only worth what you put into it. Goals will not accomplish themselves without someone to guide the effort. That responsibility falls to you and the tips you have read can offer some help in delivering on your promises to yourself. To waste time is to waste money so make the most of both.

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