Shares Should Do Better

Shares Should Do Better

The last two and a half years have been disappointing for most investors. The All Ordinaries Index of Australian shares is currently at the same level as in April 2021. Good dividends have been paid but prices are no higher. This has impacted most super accounts,...
The Transition to Retirement

The Transition to Retirement

The final working years are critical in reaching a comfortable retirement position. Having a financial plan and sticking to it during that period can make a big difference. People in the pre-retirement years usually have surplus income due to mortgages being paid off...
Uncertainty Brings Opportunity

Uncertainty Brings Opportunity

There are plenty of things for investors to worry about at present. The interest rate outlook still isn’t entirely clear. It seems likely that rates may have peaked in Australia and possibly the US, but perhaps not Europe. High oil and energy prices are helping keep...
The Wealth Building Years  

The Wealth Building Years  

In recent weeks we have talked about the strategies available to help purchase a first home, and then about starting to build wealth by saving to buy investments that will grow. Now we can discuss further wealth building.  Controlling household spending in very...
Seeking Normal Investment Conditions

Seeking Normal Investment Conditions

The last financial year brought attractive returns for investors. Since then we saw further gains in our super and investment funds in July, followed by weakness in August and September. Does this point to problems ahead? Future interest rates will be the most...
The Wealth Building Journey

The Wealth Building Journey

Last week we talked about buying a first home. It’s not as difficult as it seems. Many people can do it if they ignore the negative opinions and commit to the task. Many young prospective first home buyers want a grand home with every possible feature from the outset....
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