Stuart Wemyss 
The topic of rising inflation and its potential impact on interest rates has been dominating the financial press over the past few weeks. The bond markets expect that higher inflation readings will force central banks to raise interest rates. It’s my opinion that higher inflation is likely to be temporary. And it’s also useful to …
I started ProSolution almost 20 years ago and if there’s been one common theme over that time, it is how “expensive” property is. This theme can be expressed in many ways such as predictions of property market crashes, housing affordability “crisis”, comparison of Australian property prices to other parts of the world and so forth. …
I wrote a blog in February 2020 highlighting the first phase of government mandated changes to income protection insurance products. The second phase of changes were implemented at the beginning of this month, and they are very significant. This blog discusses these important changes and how they may affect you. Background In December 2019, the …
I have noticed that more people are attracted to seeking out work that they have a personal connection with, particularly since the beginning of Covid. That is, for a growing number of people, the emotional rewards (satisfaction) that their work offers is becoming more important than the financial rewards. This might include working in the …
Update: On 6 October 2021, the regulator announced that banks must now test whether a borrower can afford a loan based on principal and interest repayments at current rates plus a buffer of 3% (previously 2.5%). As this measure requires a cash flow analysis, we feel it’s more meaningful than imposing a debt-to-income ratio cap …
Personal insurance is becoming more difficult to obtain and increasingly costly to maintain. This blog outlines the approach we take when formulating how much insurance our clients need and strategies to manage its cost. What is personal insurance? This blog refers to personal insurance only. That typically includes up to four products: Income protection insurance …
Many employers allow their staff to salary package the cost of a vehicle. Doing so allows you to pay for some of your car running expenses on a pre-tax basis which reduces your taxable income and therefore the amount of tax you pay. In addition, you may be able to save GST. However, they are …
Two years ago I wrote a popular blog that explained some simple share market concepts and jargon (see here). Building on this introductory information, I thought it was timely to discuss basic share market valuation principles to help investors assess whether a stock is over or under valued. To be clear, I’m not advocating …
Over the past 20 years, the US share market has risen 5-fold, the Australian share market 5.4-fold and Australian property 4.2-fold. That means if you invested half a million dollars 20 years ago, in either shares or property, it should be worth between $2 and $2.5 million today. You’d have even more money if you …
Borrowing to invest in property is a popular and highly effective wealth accumulation strategy if it’s implemented correctly. However, loan structuring can often be an afterthought. The reality is that loan structuring and maximising your borrowing capacity is almost just as important as buying the right property. This blog sets out how to structure your …
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