Investment

Financial Autonomy - Investment basics – Active vs Passive investment – what’s it about and, our approach – Episode 58

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August 15, 2018

Investment basics – Active vs Passive investment – what’s it about and, our approach – Episode 58

When I started my career in investment markets almost 20 years ago all the investment options were what we’d now call Active. We didn’t call them that at the time, it was just the standard way that money was managed. Passive investment had been around for some time, pushed primarily by John Boggle of Vanguard … Continued

Investment

August 1, 2018

Are you playing offence or defence? – Episode 56

 All sports have elements of offensive and defensive play. And whether you play Netball, soccer, cricket or basketball, your team must constantly strike a balance between the two. In pursuing your Financial Autonomy goal, you too must find a balance that will see your goals achieved in an acceptable time frame, whilst also enabling … Continued

Investment

Saving Strategy

Self-Employment & Side Hustles

July 18, 2018

Pay off the mortgage or invest?- Episode 54

 A shout out here to Christine Calnan who emailed me about this dilemma – whether it is best to put your savings towards extra mortgage repayments, or should you instead be investing? This is one that does come up a lot when I’m working with clients, and it’s certainly not a question with a … Continued

Investment

Property

Saving Strategy

July 11, 2018

Investment Power-Ups – Episode 53

 I was binge watching a fictional Netflix series last week about a group of 4 guys who had made an app that had become a huge hit, Angry Birds style. Each of the 4 guys had particular skills, and there was a scene where one of the guys was feeling pretty lost. He bemoaned … Continued

Investment

Saving Strategy

July 4, 2018

Mini-retirements – Episode 52

 In several previous posts we’ve looked at strategies to help you achieve early retirement. I’ve often spoken about the fact that early retirement in our Financial Autonomy context doesn’t mean spending all day sitting on the couch watching the Simpsons. Our objective is gaining the flexibility and choice to pursue the things that we’re … Continued

Investment

Saving Strategy

Superannuation

June 27, 2018

Can you pass the financial literacy test – Episode 51

 Want to minimise the chance of living off nothing but a meagre age pension in later life?   There’s a great proverb that I heard many years ago and have never forgotten “a fool and his money are easily separated”. So how do you ensure you’re not the fool? The solution is to have … Continued

Investment

June 13, 2018

Bike paths, Bitcoin, and Risk Budgets – Episode 49

 I go for a bike ride most Sundays. Wherever I can, I ride on a bike path. Often there is a road running parallel to the bike path. Very often, cyclists are on the road when they could just as easily be on the bike path. Now I understand why they do this. It’s … Continued

Investment

Saving Strategy

June 6, 2018

The 10 worst things you can do to prepare for retiring early – Episode 48

 So your financial autonomy goal is to retire early. For some that might mean retiring at age 35 and for others age 58. Often, especially for those looking to retire at the younger end of the spectrum, it will mean ceasing their current role, but still engaging in some income producing activities. So retiring … Continued

Investment

Saving Strategy

Superannuation

May 9, 2018

Why Travel Bugs Need Financial Autonomy – Episode 44

What a wonderful era that we live in where holidays and travel are a regular feature in our lives. I don’t imagine that through the bulk of human history there was enough surplus of time, food, and resources to allow you to just take time off to explore the world or relax, unless you were … Continued

Investment

Saving Strategy

Self-Employment & Side Hustles

May 2, 2018

How Settlers of Catan can help you achieve Early Retirement – Episode 43

As a kid, family holidays meant board and card games. Canasta was very popular, as was Monopoly, Cluedo, Squatter, and various other games. As an adult my love of games has continued and fortunately I’ve been able to convince my home tribe to join me (and usually crush me). Of the various games that we … Continued

Investment

April 25, 2018

What is Ethical Investment all about? Episode 42

On the off-chance that you’re one of the few people who read the information sent out by their superannuation fund, you might have noticed that in recent years they’ve added an Ethical Investment option. Now the exact labelling of that option will vary – it might be called Socially Responsible, Sustainable, or just Responsible, all … Continued

Investment

April 4, 2018

Financial Autonomy – Common Strategy Options – Episode 39

Regular listeners and readers know by now that Financial Autonomy is about gaining choice. Maybe that choice is retiring early (eg. the FIRE goal that’s popular in the US), but it could just as easily be the choice to work in a different career, start your own business, work fewer hours or days, or the … Continued

Investment

Property

Saving Strategy

Self-Employment & Side Hustles

Superannuation