A home, a mortgage and it’s affect on life

Retirement planning isn’t just about the final years before you stop working—it starts much earlier. The financial mistakes you make in your 20s, 30s, and 40s—like taking on too much debt, delaying investing, or ignoring the impact of inflation—can significantly affect your retirement security. In this episode, we explore the most common missteps at every stage of life and how they can derail your future.  Learn how to avoid these pitfalls, maximise savings, and build a secure retirement with simple, practical strategies. No matter your age, the right decisions today can set you up for financial freedom tomorrow.  Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Rachael Todman, GradDipFP (ASIC Reg 1270413), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

In this episode, we analyse CSL Limited (ASX: CSL), a $134 billion market cap biotechnology company specialising in plasma-derived therapies, vaccines, and rare disease treatments. Operating in over 100 countries with 25,000 employees, CSL is a global leader in life-saving medical innovations through its core businesses, including CSL Behring, CSL Plasma, CSL Seqirus, and CSL Vifor. We explore its strong economic moat, financial health, and growth performance, including a 226% increase in dividends over the past decade. Despite recent share price dips, analysts view it as potentially undervalued by 20%. Tune in as we discuss CSL’s long-term prospects, past returns (up 249% over 10 years), future earnings growth potential, and insights into its recent acquisitions and latest announcements.   Please Note: This is not a buy, nor sell, recommendation. This is general information only. Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401. 

In this episode, Rob and Amy draw inspiration from the insightful article Nine Bad Habits of Ineffective Investors: Common Mistakes Investors Make by Dr. Shane Oliver, Head of Investment Strategy and Chief Economist at AMP. They explore why seemingly logical actions often lead to poor investment outcomes, and discuss why habits like following the crowd, over-relying on past performance, and frequently checking your portfolio can derail your financial goals. Rob and Amy share practical strategies for avoiding these mistakes and emphasise the importance of a long-term investment plan that aligns with your financial goals and risk tolerance.  Tune in to sharpen your investment strategy and steer clear of costly missteps. Article referenced in recording:Nine bad habits of ineffective investors: common mistakes investors makeDr Shane Oliver Head of Investment Strategy and Chief Economist, AMP https://www.amp.com.au/content/dam/amp-au/documents/insights/mistakes-oi-30-2024.pdf Robert Goudie, CFP, GradDipFP (ASIC Reg 235974) and Amy Lehmann, BBus (FinPlan), BBus (Acc) (ASIC Reg 1292710), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401.