Stuart Wemyss 
What is the best way to manage cash flow? Do you need a monthly budget to track every single cent? Or is high-level budgeting ok? And, how much is too much to spend i.e. how do you know if you are over-spending compared to your peers? This blog will answer these questions and many more. …
Perhaps a softer property market will allow you to buy a future home now for below intrinsic value – especially if you plan to upsize or downsize in the next few years. Purchasers are in a stronger position in a softer market – especially with a backdrop of lower median property prices and lower auction …
If you are contemplating investing in property, should you buy now or wait? What if prices fall further this year? Maybe you would be better off waiting? As my analysis below reveals, buying for less than market value or at the bottom of the market (i.e. buying well), has very little impact. The price we …
It was reported over the weekend that private school fees have increased by 3.6% over the past year. However, the longer-term trend is closer to 5% p.a. Private school fees are tipped to soon exceed $40,000! That is a big hit to after-tax cash flow. This blog compares three financial strategies you can use to …
One of the biggest mistakes that people make is they make a few investments and then, after a few years/decades, try and figure out what their strategy looks like. That is, they build their strategy around their assets. Many financial services and property businesses do this too. They design or market investments that suit their …
If the ALP wins the election in May and ban negative gearing on established property (as proposed), does that mean property is no longer a good asset class to invest in? The answer is no, if you do it right. In an environment of no negative gearing, capital growth becomes even more important. The razzle …
When working out a retirement strategy, often people try to work out the value of investments they will need by multiplying the amount of annual retirement income they will need by a nominal interest rate. For example, if you want $100,000 p.a. in retirement and you think you can earn an income rate of say …
There are two key things this year to watch out for that might create some financial opportunities. Firstly, it’s likely the Federal election will be in May and I’m certain that tax will be a key policy platform (I expect the Liberals will announce some income tax cuts). Secondly, the Royal Commissions final report is …
Last weekend, The Australian newspaper published the blog I sent you last week where I predicted that the property market is close to the bottom and that prices next year would either be unchanged or improve slightly. Well, that article received over 60 comments and none of them were complimentary or supportive of my prediction. …
I think we are very close to the bottom of the property market – if not already there. In fact, I believe that price growth next year will be neutral or positive. I appreciate that this prediction is contrary to most, if not all the predictions in the marketplace – most notably AMP Capital’s chief …
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