Stuart Wemyss 
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 …
Choosing a super fund? Read this first. Most people pick a super fund based on last year’s return. That is the wrong way to decide. Our free annual report explains the four factors that actually matter and helps you work out the right structure for your balance. Download Here In last week’s blog, I compared …
Is your super fund actually the best one for you? The fund that topped last year’s table is not necessarily the right one for your circumstances. Download our free guide to choosing the best super fund in Australia, built around structure first, investment strategy second. Download Here In recent years, borrowing by SMSFs has increased …
Turn your home loan into tax-deductible debt. Debt recycling lets you pay down your mortgage and invest at the same time, without increasing your total debt. Download our free starter guide for the step-by-step method, a worked example, and the rules that keep your deduction safe. Download Here When I started ProSolution back in 2002, …
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 …
It’s always fascinating to explore how property prices might move over the coming year. While short-term price fluctuations aren’t particularly relevant for long-term investors, this kind of analysis can be incredibly useful for those planning to sell or buy property in 2025. Last week, I joined James Kirby on The Australian’s finance podcast to dive …
Historically, I’ve often recommended that people repay interest only on investment loans. This approach offers two key advantages: However, interest-only loans now come with a drawback: higher interest rates. On average, the big 4 lenders charge a 0.26% p.a. premium for interest-only loans compared to principal and interest loans. For some borrowers, switching to principal …
Australia is likely heading for a federal election in May 2025, and as always, housing affordability will be a major talking point. Sadly, these discussions often end up more about rhetoric than effective policy change. However, at some point, a solution will have to be found. For property investors, who typically hold assets for decades, …
If you’re thinking about retiring in the next 5 years, it’s likely that you’ll need to make some key changes, either now or over the next few years. What specific changes are needed, depends entirely on your financial situation. However, there are several common areas that everyone approaching retirement should consider, which I discuss in …
It’s very common for parents to worry about whether their children will be able to afford to buy into the property market, and we get asked about this regularly. There are several complexities involved: some financial, and some more related to parenting choices. I’d like to share an idea that could work well for both …
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