Dear %%first_name%%,

Europe remains the key concern for the markets as the New Year gets into the swing of things, and it’s Europe that’s been holding the markets back despite some promising jobs numbers out of the US last week. Europe is also a key reason our central bank has started to cut interest rates. But how low will rates go?

Paul Rickard brings you his outlook for interest rates and term deposits for 2012 in today’s report, while I take a look at how Europe continues to affect our stocks. Also in the Switzer Super Report, Ron Bewley continues his portfolio-building series by charting how risk and return can help to diversify your portfolio, and Tony Negline looks at a problem that can stop you transferring your retail super pension into your SMSF.

I hope the New Year has been treating you well!



Sincerely,

Peter Switzer

In case you missed it, Peter made 10 predictions for 2012 in last week's Switzer Super Report. Read it here on the Switzer Super Report website.