Robert Goudie, Author at Consortium Private Wealth Horsham

The hidden cost of extending your mortgage back to 30 years

7 July, 20266 July, 2026 Updated on6 July, 2026 Investing

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.

Strategies for Reducing Debt and Enjoying Your 60s

23 June, 202623 June, 2026 Investing

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.

What Does the 2026 Federal Budget Mean for Australian Investors?

2 June, 20269 June, 2026 Updated on9 June, 2026 Education, Investing, Regulatory

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…

The Risks of Property Investing: What Social Media Doesn’t Tell You

21 May, 202626 May, 2026 Updated on26 May, 2026 Investing

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.

Just Because You Can, Doesn’t Mean You Should: The Property Investment Trap

21 April, 202629 April, 2026 Updated on29 April, 2026 Superannuation, Tax

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.

How to Minimize Tax and Protect Assets Through Smart Structure Choices

7 April, 20267 April, 2026 Superannuation, Tax

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.

Know Who You’re Dealing With: The Hidden Conflicts in Property and Banking

24 March, 202623 March, 2026 Updated on23 March, 2026 Investing

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…

Unlimited Upside: Why Investing Is About More Than What You Risk

10 March, 202610 March, 2026 Investing

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…

Should You Invest in Property? A Look at Biases and Balanced Advice

24 February, 202624 February, 2026 Investing

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…

Retirement Confidence Comes From the Right Projections

11 February, 202612 February, 2026 Updated on12 February, 2026 Retirement

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…

The Real Reason Property Prices Exploded (And Why We May Have Hit the Ceiling)

27 January, 202619 January, 2026 Updated on19 January, 2026 Economy

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…

You Don’t Need High Risk Debt to Become Wealthy

6 January, 20267 January, 2026 Updated on7 January, 2026 Debt

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.

The Information Overload Trap: Why Too Much Financial Advice Can Leave You Stuck

25 November, 20255 January, 2026 Updated on5 January, 2026 Finance, Investing

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.

The Big Money Is in the Waiting: Lessons from Charlie Munger

11 November, 20255 January, 2026 Updated on5 January, 2026 Finance, Investing

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.

How Emotions Impact Investing: Tips to Navigate Fear and Greed in Markets

4 November, 20255 January, 2026 Updated on5 January, 2026 Investing

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,…

Unlisted Property Trusts: The Risks, Limitations, and the Alternatives

21 October, 202521 October, 2025 Investing

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…

The Truth About Paying Off Your Home Loan in 7–10 Years

9 September, 202510 September, 2025 Updated on10 September, 2025 Debt

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.