When you invest money there are really 3 broad categories of assets that you can own. Shares, Property, and Cash & Fixed Interest. If you understand how these assets classes operate on their own, and how they interact together, it will make it easier for you to understand how you should put together your investment[…]
In the last edition we discussed that the number one secret to financial success is to spend less than what you earn. It doesn’t matter how much you earn, what level of education you have or what or who you know, it matters what you do. In this edition of Money Matters, we discuss step[…]
More than 35 years ago I started talking to people about their financial plans and goals. Broadly speaking, when it comes to matters financial, there are two distinct groups of people – those who are comfortable with money, and achieve their financial goals, and those who always seem to struggle financially. I am not making[…]
Many retirees who depend on their own investments for either part or all of their income have been hit hard with falling values in their super and allocated pensions over the last few months. Retirees that have been forced to sell assets that have fallen in value to provide their immediate income needs are watching[…]
For many investors, the beginning of 2020 has flooded back memories of the volatility experienced during the GFC. Are you comfortable with the amount of investment risk you are taking?
There have been murmurings that the Reserve Bank is considering lowering official interest rates to help stimulate the economy. Lower interest rates are a double edge sword, good for borrowers, bad for savers. But there is also a lesser understood ugly side. The good. For borrowers, any reduction in interest rates is a welcome relief.[…]
Autumn is a great time of year in the northern Spencer Gulf for us fair weather fishermen – lots of calm days, flat water. Suits me. You won’t find me in a boat out of sight of land or on a rough day. I feel much safer in calm waters and I therefore accept I[…]
Over the last 2 editions we have looked at my top Good, and Bad financial strategies I have seen over the last 3 decades. This week, we finish with what I consider to be The Ugly; Pay-day Lenders. You’ve seen the ads. Need money fast, just nimble it. There has been a massive increase in[…]