Rentvesting: a cheaper way to own a home? Before attempting to answer the question posed by the title of the article, it may be necessary to explain what “rentvesting” is.…
The “big picture”: Matching your lifetime financial assets and liabilities Most people don’t really grasp what we regard as the primary purpose of personal financial planning. As a result, they…
High level aggregate data suggest household balance sheets are in good shape … In both actual dollar terms and relative to household incomes, Australian households have never been wealthier.…
Our clients respond to an online “Client experience” survey In late February-early March 2017, a representative group of our clients was asked to participate in a confidential on-line “Client Experience”…
There are three levers of financial independence To increase the chances of achieving financial independence (i.e. having sufficient investment wealth to fund your desired lifestyle indefinitely, without the need to…
The key decision is your defensive versus growth allocation It is a key element of our approach to investment risk management that you should select a target asset allocation that…
Retirement spending shown to decrease with age We have written a lot about the pattern of retirement spending, with “Will spending remain constant in retirement?”, from 2013, and “How much…
Share and cash investment returns are unexciting It feels like the Australian share market has been going up and down in about the same spot for the past six or…
The “Rule of 25” sets a daunting target, for many When we talk to prospective clients who are at or close to retirement, one of their inevitable questions is “Have…
Our Prime Minister and RBA Governor suggest parental support is required In November 2014, we published a Blog article titled “How do you give financial help to your adult children?”.…