Do you have a healthy savings habit?
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A good savings habit is the foundation of wealth creation Even at an early age when you received pocket money, you were faced with the decision of what to do…
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The Great Dividend Yield Chase
High dividend paying shares appeal to many investors It’s often suggested by various investment “experts” that the first requirement for a share investment is income return and then growth of…
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DIY Financial Planning – The real costs may not be evident
DIY Financial Planning appears to be a low cost alternative There are a lot of smart people who make some rather dumb choices with respect to their finances. More often…
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Investment Return Volatility – A Potential Wealth Hazard
Investment return volatility is poorly understood Most investors understand that in order to increase their expected future return, they have to accept a higher level of volatility (or variability) in…
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Why you need a personal cash flow budget
Surely the wealthy don’t need to budget … It is true that some high income earners have no idea how much they spend, simply too busy making money to take…
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Borrowing and Wealth Management
Attitudes to borrowing We all know that many people have become very wealthy through the use of borrowing. These people are often lauded as brilliant entrepreneurs and we are encouraged…
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Mortgage or Super?
Are you better off reducing your mortgage or contributing to super? A lot of people ask this question. Unfortunately, as with many wealth management decisions there is no straight forward…
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