All Articles
November 23, 2023
What is Factor Investing?
You’ve almost certainly heard of index investing, also sometimes called passive investing. Here investment portfolios are constructed to replicate I given a market. The weighting given to each individual stock is determined by the size of each company, its market capitalisation. So for instance in the Australian market, the largest allocation would be to BHP, … Continued
Investment
September 6, 2023
5 Key Steps to Building Wealth for Professionals in Their Prime
1. Create a solid foundation There are three things I consider foundational to successfully build wealth and achieve financial autonomy. First you need to understand your cash flow. What does it cost you to live, how much do you have coming in, and is there a surplus? Without surplus cash flow there’s … Continued
Investment
August 9, 2023
Understanding Risk Profiles: Their foundational role in attaining Financial Autonomy
The relationship between risk and reward is one we’ve explored many times. Anyone pursuing a Financial Autonomy goal through investment needs to contend with the typical desire to achieve their objectives as soon as possible, whilst adopting a level of risk that enables them to sleep comfortably at night. When you start working with a … Continued
Investment
July 12, 2023
The Impossible Question – why it’s so hard for investors to decide between shares or property
For an investor trying to build wealth and achieve financial independence, a question they will inevitably face is whether they should be sending their savings into stock market investments, or paying off an investment property instead. In my experience, most people decide which fork in the road to take based more on comfort and personal … Continued
Investment
Property
June 28, 2023
Could You Be Over-Saving?
To achieve peak performance athletes need to train. Train too little and they risk lacking the fitness and skills to achieve their full potential. Train too much though, and they risk fatigue and injury. A balance needs to be found in order for the athlete to succeed. When thinking about money and finances, the typical … Continued
Investment
Saving Strategy
May 10, 2023
Alternatives to Retiring Early
Winston Churchill was 65 in 1939 when World War 2 commenced. He had his most important, and arguably his best years, ahead of him. Ray Kroc founded McDonald at 52 years of age. And Harland Sanders founded Kentucky Fried Chicken when he was 62. Betty White got her major acting break at age 51. Nelson … Continued
Investment
April 19, 2023
5 Strategies to Achieve Financial Independence in Your 40s and 50s
As you guys know, the focus of our podcast is to help you gain choice through the achievement of what I’ve called Financial Autonomy. A very close cousin of the idea of financial autonomy is Financial Independence. Financial independence is the concept of owning assets that produce income such that it is not necessary for … Continued
Investment
April 12, 2023
4 Ways Higher Interest Rates Impact Your Share Portfolio
You’d have to have been living on a deserted island for the last 18 months to not know that interest rates have been on the rise. Central banks around the world are endeavouring to return rates to normal levels, following sharp cuts through the pandemic. Normalising rates is not without pain however, as many who … Continued
Investment
April 12, 2023
Mean Reversion’s Applicability for Long Term Investors
I try my best to avoid financial jargon, but “mean reversion” is one piece of jargon well worth being acquainted with. The “mean” is just a fancy way of saying the average. The concept of mean reversion then, is that investments and markets tend to want to pull back to their average over time. This … Continued
Investment
April 5, 2023
Navigating Decision-Making: A Guide to Managing Choice
If you’ve listened to a few of our podcasts, or read our weekly email, you will know that our core theme is helping you Gain Choice in life. This focus came about after working as a financial planner for several years. Particularly in my early years, the bulk of my work was facilitating people moving … Continued
Investment
March 29, 2023
6 Core Personal Finance Concepts
This week we’re going to look at 6 core personal finance concepts. These are concepts that it’s easy for those of us working in the space to assume everyone understands. It might also be that your understanding of what these terms means differs from industry definition. So let’s run through these core concepts together and … Continued
Investment
March 28, 2023
What is Luxury?
I came across a great story recently that got me thinking. A successful woman in her 50s observed that several of her younger colleagues at work, all in their 20s, were furnishing very expensive handbags. She realised that she’d never had a luxury item like that, and if these young folk could afford one, then … Continued
Investment