In the world of personal finance, there is a recurring phenomenon that many professionals see far too often. It’s a subtle, almost invisible thief of time and quality of life….
Retirement planning is rarely a straightforward process, but for those who entered the workforce 30 or 40 years ago, it can involve a unique and highly specific asset: the defined…
Many people assume estate planning is only for the wealthy or those in their final years of life. However, the reality is that anyone who has accumulated even a small…
Retiring soon? Instead of asking, “How much can I save?”, you’re likely to start asking, “How much can I afford to spend?” That shift from building wealth to using it…
Understanding the intricacies of schemes like ‘Help to Buy’ is crucial, offering a deeper insight into its potential benefits and complexities. This article unpacks the key aspects of the ‘Help to Buy’ scheme, aiming to provide clarity for those considering this path.
The federal government has tried (via 2009 legislation and later instructions to banks from APRA, the Australian Prudential Regulation Authority) to ensure that mortgage borrowers will be able to service their loan and cope with any future interest rate rises. Despite this, many Australian homeowners are struggling financially as a result of inflation’s impact on the cost of living, geopolitical influences on fuel costs, and the Reserve Bank’s interest rate increases.
Carrying debt into your 60s can feel stressful, especially when retirement is getting closer. The good news is that there may be practical ways to reduce debt while still making room to enjoy this important stage of life.
The 2026 Federal Budget has introduced some of the most significant proposed tax changes Australia has seen in years. While many of the announcements were expected following months of speculation…
If you scroll through social media, you’ve probably seen bold claims from property investors, buyers’ agents, and real estate professionals boasting about the incredible growth of their portfolios. Properties worth tens of millions and annual percentage gains that seem unreal—it’s easy to get swept up in the excitement.
Everywhere you look, property investment is being marketed like a golden ticket to wealth. Social media is flooded with experts explaining how to structure loans, access equity, and leverage your superannuation to get into the property market.
When we think about health, we often picture diet, exercise, or regular check-ups. What we do not always think about is money. Yet financial wellbeing and overall wellbeing are closely linked.
In Australia, it’s no secret that banks and property marketers have a vested interest in keeping you in debt. But over the years, this has been normalized to the point…
When it comes to investing, one concept stands out for its sheer potential: unlimited upside. This idea—the notion that a business’s growth has no ceiling—is what makes investing in the…
Property investing has been a hot topic in Australia for decades. With nearly 25 years of consistent growth driven by government intervention and historically low interest rates, it’s no wonder…
As a financial adviser, one of the most valuable tools I’ve used over the last decade is personalised, realistic retirement projections. While many clients come to me wondering where and…
I’ve been digging back into some excellent research from Tim Farrelly—our asset consultant who I really rate for his independent, no-conflict views. A few years ago, he published a brilliant piece…
There’s a growing issue facing families today, and it spans three generations. At the heart of it is the younger generation—the first-time homebuyers—who are struggling to break into the property market. This challenge isn’t just theirs to bear; it’s one that also involves their parents and grandparents, who want to see them succeed but are grappling with how to provide the right kind of support without overstepping or creating dependency.
There’s no shortage of financial advice out there. Everywhere you look—social media, news articles, investment forums—you’re bombarded with strategies, opinions, and predictions.
Discover why Charlie Munger’s quote, ‘The big money is not in the buying and selling, but in the waiting,’ holds the key to investment success through patience, compounding, and investor psychology.
Investing isn’t just about the numbers—far from it. Over my 26 years as a financial adviser and more than three decades as an investor, I’ve realized that understanding balance sheets,…
Over the last few years, I’ve taken on the management of many self-managed superannuation funds (SMSFs), and in doing so, I’ve encountered a particular investment type that often causes significant…
If you’ve ever clicked on a Facebook or Instagram ad about paying off your home loan in under 10 years, chances are you’ve been bombarded with more of them since. I’m all for reducing debt as quickly as possible. But let’s be real: not all strategies are created equal, and not all of them are safe.
We often think investing is about the numbers: profit margins, balance sheets, dividend yields, and all that jazz. And yes, they’re important—but if you ask me, there’s something even more…
When it comes to investing, most of us focus on what to invest in—shares, property, or superannuation. But there’s another decision that’s just as important: where you hold those investments….
End of content
End of content