Millennials Don't Follow Your Parents Financial Path!
Millennials shouldn’t sacrifice as much as their parents to retire well ... here's the alternative to what their parents did. What you...
An Income Earthquake- Sequencing Risk
Income earthquakes wreak permanent devastation to anyone drawing an income from their investments. Like an earthquake, sequencing risk...
Australian Retirees Paying Too Much!
This is a diagram EVERY retiree that uses an adviser should know. This is what is called the Value Chain in the advice and product...
What investors need to learn from the T-Word
As investors what can we learn from the now endless second guessing by investment commentators of what will happen to investments now a...
Are you wealthy if you own a big house and a nice car?
In short, the answer is no. More than 90% of high consumption households are not actually wealthy. Take away their debt on their home,...
Do index funds really out-perform?
Do Index funds really outperform active funds? A perennial industry debate that sometimes surfaces in the media. Recent newspaper...
What personal investors don’t use but should….
Asset allocation. This is the science about how much of your money is deliberately allocated to different classes of investments at any...
Creating your Portfolio of Life!
In an earlier Blog I spoke of the fact that Retirement as we know it is no longer meeting the needs of those in it, facing it in the...
5 truths to investment returns
How often have you looked at your investments and been disappointed with a reported annual return? Often we view this return as a...
How long before your money runs out?
How much of your money can you safely draw down/ each year once you stop work? For most it’s a rule of thumb and a guess (perhaps even...
