Engineers know that for a building to remain structurally sound for many decades it must have strong foundations. It doesn’t matter how good a building is above the ground, if the foundations are substandard, the building won’t last. The same is true for building wealth. There are several foundational matters that investors must optimise before …
Now that home loan interest rates have risen by 4% over the past 13 months, is it still worth investing your surplus cash flow, or should all cash flow go towards repaying your home loan? Many of my clients invest some surplus cash flow in the share market each month. This has been very easy …
The ‘great Australian dream’ has always been to own your own home, debt free. It gives you financial security, and over the past three to four decades, homeowners have enjoyed rising prices which has helped them build wealth. But is it always a good idea to own your home, or is renting better? Put differently, …
Is your loan structured to work as hard as it should? The right loan structure can be worth tens of thousands of dollars over time. Our free debt recycling starter guide explains how to set it up properly, including a borrowing capacity checklist. Download Here If you are considering borrowing to invest in a quality …
Inflation reduced from 7.8% in the December quarter to 7.0% in the March quarter, which was good news, of course. Many economists believe that inflation (CPI) will continue to decline over the coming months. However, history tells us that when inflation has exceeded 8% (like it did in the US last year), it has taken …
Some people plan to give money to beneficiaries (typically children and/or charities i.e., early inheritance) before they pass away, especially if they consider they have more than enough money i.e., surplus wealth. Often, their thesis is that their kids can make good use of the money now, whilst they are younger, rather than waiting another …
I was listening to Morgan Housel’s new podcast recently (which I highly recommend by the way), and he said something along the lines of; once you define your investment philosophy, you won’t be distracted by any noise that doesn’t align with it. It really resonated with me. Success with investing is more about avoiding mistakes …
Most people struggle with working out how to invest their money. Do they upgrade their home, contribute more into super, buy an investment property, invest in the share market, or something else? In fact, this common challenge was the reason that I decided to write my book, Investopoly. I knew that if people understood the …
We are all aware that central banks around the world have been hiking interest rates to reduce inflation back to normal levels. The US economy, and particularly the labour market, have been more resilient than most expected. This means the US central bank might have to hike interest rates higher than in other jurisdictions to …
It is stating the obvious that private school fees are expensive. If you are uncertain whether you would like to send your kids to a private school, I thought it would be interesting to consider some alternatives and put the costs into perspective. The public versus private school decision is a very personal one influenced …
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