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What is an appropriate Retirement Expenditure Multiple?

April 24, 2012

financial freedom, financial independence, lifetime annuities, longevity, retirement, retirement expenditure multiple

Some suggest a retirement expenditure multiple as low as 12 … When clients ask us how much wealth they need to accumulate to ensure a high chance of meeting their…

The Illusion of Market Timing

April 10, 2012

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Popularity of Market Timing resurges due to GFC We might sound like old fuddy-duddies for continuing to propose a strategic (or fixed) asset allocation approach over one that involves jumping…

Wealth management is much more than investment

March 27, 2012

financial planning, investment advice, investment strategy, strategic plan, wealth management

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Investment is only a piece in the “puzzle” The terms “wealth management” or “financial planning” are seen as synonymous with investment advice and investments by most people. This is not…

Putting the investment odds in your favour

March 13, 2012

independent financial advice, intelligent risk, investment risk, investment strategy, prediction, risk exposure, Skill

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Managing investment uncertainty Whether we like it or not, there’s a lot uncertainty involved in predicting the future. Despite the increasing availability of information, our ability to predict has not…

Baby boomers’ housing experience may not repeat

February 28, 2012

baby boomers, Borrowing, concentration risk, diversification, intelligent risk, investment property, investment strategy, residential property

Baby boomers still borrowing to buy property Over the six years to 2009-10 [1], baby boomers (those born between 1945 and 1964) continued to pour money into both owner occupied…

Independent Financial Advice: is it becoming more accessible?

February 14, 2012

commissions, fee for service, FOFA, independence, independent financial advice, profession, value of advice

The Future of Financial Advice The financial advice industry is going through some major reforms following numerous post GFC reviews and the Government’s “Future of Financial Advice” (FOFA) proposals. The…

A high income does not imply high wealth

January 24, 2012

concentration risk, financial independence, high income, high net worh, superannuation

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Statistics shows that a high income does not mean high net worth In our previous article, “Household income and wealth in Australia”, we examined the progress toward financial independence being…

Household income and wealth in Australia

January 10, 2012

financial independence, household income, household wealth, net investment wealth, net worth, wealth management

Official statistics provide income and wealth insights In the latter part of 2011, the Australian Bureau of Statistics released three publications [1] that together provide valuable insights regarding household income…

Principles of successful wealth management

December 27, 2011

investment strategy, principles, wealth advice, wealth foundations, wealth management

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Do the “principles” still stack up? When we started Wealth Foundations in late 2007, we had no idea just how troubled the world would become. At that time, we drew…

Moneyball: a story of faith in an objective strategy

December 13, 2011

behavioural biases, biases, intelligent risk, investment strategy, mental shortcuts, objective evidence, overconfidence, risk adjusted return, self deception, Skill, tax deduction, wealth management

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Evidence triumphs over anecdote If you’ve seen the movie “Moneyball”, (or read the book by Michael Lewis), you may have picked up on some similarities between the issues faced in…

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What is an appropriate Retirement Expenditure Multiple?

The Illusion of Market Timing

Wealth management is much more than investment

Putting the investment odds in your favour

Baby boomers’ housing experience may not repeat

Independent Financial Advice: is it becoming more accessible?

A high income does not imply high wealth

Household income and wealth in Australia

Principles of successful wealth management

Moneyball: a story of faith in an objective strategy

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