Stuart Wemyss 
You are probably familiar with the well-publicised Optus data breach where the personal details of 2.1 million customers were leaked. We should use this story as a cautionary tale to review our own cybersecurity. I have listed below several things you can do to protect yourself. Use a password manager Passwords must be at …
An investment property’s total investment return will consist of rental income plus capital growth. I have written about the importance of maximising capital growth many times. However, often investors are tempted to focus attention on income (when selecting an investment property) too, as they seek to minimise the cash flow cost of holding the investment …
Often people wonder whether they should be doing more with their cash savings other than leaving them in a savings account. This blog discusses some options and highlights some considerations with each option. Of course, the information contained in this blog is not personalised advice as it cannot consider your unique situation and goals. As …
I wrote a blog in May warning investors to prepare for lots of bad news, uncertainty and market volatility. My thesis was that rising inflation, supply chain issues and rising rates would cause economic pain. Unfortunately, my prediction was correct, and we should expect the volatility to continue for many more months to come. It …
A Goldilocks investment strategy means that you are making the most of your financial opportunities without overdoing it and taking unnecessary risk. That is, your level of investing is exactly right (i.e., perfectly balanced). Underinvesting means that you risk not having enough investment assets to enjoy a comfortable retirement. Overinvesting means that you have taken …
Commentators often refer to the price of property in Australia relative to household incomes. They highlight that property prices have risen two to three times faster than household incomes. They conclude that property growth cannot exceed income growth perpetually. Obviously, this is unsustainable at a macro level. I’ve written about the factors that contributed …
I believe that most people have a very similar tolerance for investment risk. Most people are comfortable achieving a long-term annual return of 7% to 10% if the risk of losing money is very low. In short, I think most people have a low appetite for risk – they prefer to take as little risk …
Most people would say that finding a good financial advisor has always been a difficult task. Ten years ago, most financial planners received commissions for remuneration, so clients had to navigate endless conflicts of interest. Thankfully, investment commissions no longer exist. The challenge is now finding an advisor with well-rounded experience. Commissions are banned – …
If Australia slips into a recession, it will mostly likely be the RBA’s fault. It has completely botched the management of interest rates to the detriment of borrowers, the economy, and the bond market. Here’s why… In its defence Firstly, in the RBA’s defence, is has been navigating uncharted territory over the past 2.5 …
2022 super returns: Superannuation returns for the 2021/22 financial year were mostly negative. However, we shouldn’t forget that the previous 18-month period (i.e., mid-2020 to the end of calendar year 2021) was stellar, so we must keep a longer-term perspective. And the winner is… The table below sets out investment returns for the largest 8 …
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