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Pitfalls of retirement planning

August 15, 2017

capital maintenance, financial future, financial independence, lifelong cash flow, retirement planning

Retirement expert reconsiders previous thinking Most planning advice, both regarding saving for, and the enjoyment of, retirement, is given by people who are not retired. So, while the advice may…

Does “rentvesting” make financial sense?

July 18, 2017

owner occupation, renting, renvesting; property investment

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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 purpose of personal financial planning

June 20, 2017

asset and liability matching, cash flow analysis, comprehensive financial planning

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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…

Australian households have never been wealthier

May 16, 2017

geared investments, house prices, household debt, household wealth, leverage

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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.…

At last, a “good news” financial planning story

April 18, 2017

client satisfaction, financial planning, peace of mind, referral

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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”…

The trade-offs for financial independence

March 21, 2017

cash inflows, cash outflows, financial independence, investment risk, saving

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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…

How should I rebalance my growth portfolio?

February 21, 2017

asset allocation, defensive assets, growth assets, rebalancing

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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…

The “retirement spending smile”

January 17, 2017

"rule of 25", investment wealth, retirement, retirement spending smile

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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…

Will share returns remain low?

November 15, 2016

cash returns, defensive assets, growth assets, investment strategy, real returns, share market returns

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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…

How much do I need to retire, revisited?

October 11, 2016

"rule of 25", investment wealth, longevity risk, retirement, retirement spending

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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…

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Pitfalls of retirement planning

Does “rentvesting” make financial sense?

The purpose of personal financial planning

Australian households have never been wealthier

At last, a “good news” financial planning story

The trade-offs for financial independence

How should I rebalance my growth portfolio?

The “retirement spending smile”

How much do I need to retire, revisited?

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