Stuart Wemyss 
I believe that very few investing mistakes are the result of random bad luck. Most mistakes are predictable and preventable. And there are some mistakes that are very common amongst novice investors. My belief is that if you can avoid these most common three mistakes then you will have a very high probability of being …
What drives you to build wealth? If I deposited $10 million in your bank account today, what would you do differently tomorrow? Do you think money will solve any (or all) of your “problems” and/or fulfil all your dreams? The answers to these questions will reveal how you think about money. And how you think …
What is more important to do first? Contribute into super or buy an investment property? How will investing in property help you fund retirement? What can you do (invest in) to minimise the risk of running out of money in retirement? These questions all relate to your investment strategy. Most of these questions can be …
One of our clients had 5 investment loan accounts with a Big 4 bank which totalled just over $1.2 million. Due to the rate hikes which I have previously written about, the weighted average variable interest rate the bank was charging this client was 4.75% (as all loans were structured as interest only). Our solution …
Over the past few months, the major banks have made some significant changes to interest rates (some of which take affect this week). The government has directed the banks to dramatically reduce the volume of existing and new interest only home loans and investment loans (see here for more on this). What the banks have …
What opportunities could you miss out on this financial year? Many people spend time in June each year rushing around trying to get their end-of-financial-year strategies implemented. It can be a stressful time. Worse still, sometimes people miss out on opportunities to build wealth or save tax (usually both) in a particular financial year because …
A few clients this week have asked me if it’s a good idea to invest a large sum in the share market at the moment (for a variety of reasons e.g. as super contributions, a gearing strategy and so on). I told these clients that I have some real concerns with it – not because …
Are your mortgages liabilities? That is, do you view them as negative things that you would like to eliminate if you had the money? If so, I challenge you to think of mortgages as an asset. In fact, doing so could dramatically improve your financial success. In the olden days… Decades ago, the clear majority …
All the fuss of the 2017-18 Federal Budget was targeted around the big banks, their large profits and the levies which the government intends to impose on them – which we all know will be passed onto the consumer. However, the Budget also included some proposed changes that might impact you personally. This blog provides …
Over two years ago I wrote this blog which espoused the benefits of passive investing. According to Morningstar, in the 2016 calendar year, $340 billion flowed out (net) of active funds management in the US. By comparison, over the same period, $500 billion flowed into passive funds (net). This overwhelmingly demonstrates that investors are voting …
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