Stuart Wemyss 
Tonight, the Albanese government released its federal budget for the 2025/26 financial year. Assuming the government is re-elected before the end of May 2025, here’s my clear and concise breakdown of the key announcements: Income tax cuts From 1 July 2026, the income tax rate on earnings between $18,201 and $45,000 will reduce by 1%, …
The concept of the Equity Risk Premium (ERP) is typically used in share market investments, but I believe investors should apply a similar approach to all investment decisions. To ensure investors are adequately rewarded for the risk they take, I like to think of it as the Investor Risk Premium. What is the equity risk …
Since the start of 2020, property prices in relatively affordable regional markets have risen strongly compared to capital cities, partly driven by Covid lockdowns and higher interest rates. I have come across numerous posts from buyer’s agents on social media showcasing the strong short-term gains their clients have made. For example, “Bought this property four …
There are generally three ways to make money: through passive investing, starting, and building a business, and speculation. This blog primarily focuses on pure investing, which in simple terms, involves investing capital to achieve high returns with the least amount of risk. It’s crucial to distinguish between these approaches because they can sometimes overlap, complicating …
I recently met with a new client that I had previously met 10 years ago. Back then, he opted to work with an advisor in his home state rather than engaging us, since he did not live in Victoria. In the end, he never found an advisor and decided to manage his investments himself. Fast …
Rohan Rajiv from the daily blog, A Learning a Day recently wrote “The definition of strategy that I use in my day to day is that good strategy is defining the right sequence of steps that helps us navigate trade-offs and achieve the end outcome.” This definition of strategy is a perfect fit when it …
In last week’s blog, I compared the financial and tax effectiveness of investing in property through your super (with borrowings) versus investing in property outside of super or sticking with the traditional approach of investing your super in an industry super fund, for instance (no gearing). I concluded that while the potential benefit of avoiding …
In recent years, borrowing by SMSFs has increased marginally from $24 billion in March 2019 to almost $27 billion in September 2024 – a modest growth of just 2% p.a. Most of these loans are repaid on a principal and interest basis, meaning investors are actively reducing their debt over time. However, the gross value …
When I started ProSolution back in 2002, we only offered mortgage broking services. I left a career in corporate finance at Deloitte to establish a mortgage broking firm because I strongly believed in the tremendous value brokers can provide to clients. In fact, around 2010–2012, I even wrote a manifesto outlining why I believed that …
If you’ve been following my blogs for a while, you’ll know that I’m a strong advocate for evidence-based investment strategies. Put simply, I only employ investment strategies that have a proven track record – where the evidence overwhelmingly shows that a rules-based approach has consistently delivered strong returns over many decades. This approach gives us …
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