Should you invest in gold?

I was interested to watch this YouTube video produced by ETF manager, BetaShares which compared the differing views of Warren Buffett and billionaire fund manager, Ray Dalio. Both men have been some of the most successful investors over the past 50+ years, yet they have opposing views regarding investing in gold, which I find very …

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Retirement might not be as enjoyable as you expect

I recently appeared as a guest on The Australian newspaper’s Money Café podcast, where we discussed the FIRE moment. The acronym stands for Financially Independent, Retire Early, which involves living as frugally as possible, investing as much as possible so that you can afford to retire as soon as possible. A listener that works in …

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2022 FEDERAL BUDGET # 2

This blog summarises the initiatives contained in the 2022 Federal Budget # 2, announced on 25 October 2022. The budget didn’t contain many initiatives for investors, small business owners or individuals. The government would have been mindful to limit the stimulatory effect that budget initiatives can have in a high inflationary environment. Child care subsidy …

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How should you invest your cash savings?

Often people wonder whether they should be doing more with their cash savings other than leaving them in a savings account. This blog discusses some options and highlights some considerations with each option. Of course, the information contained in this blog is not personalised advice as it cannot consider your unique situation and goals. As …

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Overinvesting puts retirement at risk

A Goldilocks investment strategy means that you are making the most of your financial opportunities without overdoing it and taking unnecessary risk. That is, your level of investing is exactly right (i.e., perfectly balanced). Underinvesting means that you risk not having enough investment assets to enjoy a comfortable retirement. Overinvesting means that you have taken …

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Why obtaining quality financial advice will become more difficult

Most people would say that finding a good financial advisor has always been a difficult task. Ten years ago, most financial planners received commissions for remuneration, so clients had to navigate endless conflicts of interest. Thankfully, investment commissions no longer exist. The challenge is now finding an advisor with well-rounded experience. Commissions are banned – …

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