Another one bites the dust …
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Westpac exits financial planning … You may (or not) have noticed my Blog article output has reduced over the past 12 months. Having written about 180 articles over the last…
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A more complete view of share market performance
The share market “news” you’re hearing may be misleading The four months to 31 December 2018 saw a nasty fall in both Australian and global share markets. As measured by…
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The keys to a successful retirement
Your financial resources are the best predictor of a successful retirement … As financial planners, we are heavily focused on our clients being financially well prepared for the retirement they…
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What investment returns should you expect?
Is history a reliable guide to future investment returns? When doing long term cash flow projections for clients, it is necessary to make some “guesses” of future investment returns. Unfortunately,…
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“Back of the envelope” financial planning
Making financial decisions based on what others are doing can be dangerous My children and many of their friends are now at the age where they are making very important…
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What is good financial health?
Good financial health not measured purely by wealth When we started Wealth Foundations in 2007, we embraced 20 principles of successful wealth management. These continue to underpin our approach to…
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Low financial literacy: a serious threat to financial health
Retirement readiness is low, both in Australia and internationally Recently, the Aegon Center for Longevity and Retirement released its 2018 international Retirement Readiness Survey, a survey it has conducted annually…
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The “Jurassic Park” of financial advice
The usual suspects’ advice practices again under scrutiny … The latter part of April saw the Financial Services Royal Commission[1] examine some poor financial advice practices that had been brought…
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Is the search for higher income yield misguided?
Income yields are down, but should you worry? The last few years have seen a fairly dramatic drop in the income yields obtained from typical balanced (i.e. roughly equal defensive…
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Will investors benefit from a reduction in the company tax rate?
Is a company tax reduction a second best solution? The Government has proposed to reduce the large company tax rate from its current 30% to 25% by 2026-27. It argues…
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