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Welcome to Bruce Brammall Financial

Changing behaviours can change finances

Bruce Brammall, The Australian, 19 January, 2025 Changing behaviours can be bloody hard. Particularly those ones that were almost bred in through your genes. Most of the time, it’s not actually genetic, but what you’ve picked up through your childhood and early adulthood, in what is referred to as “learned behaviour”. Early on in life, […]

Risk the key to getting your investments right

Bruce Brammall, The Australian, 12 January, 2025 Anyone who has spent time in a big Asian city will understand how utterly crazy-chaotic the traffic can be. You look at the hundreds of motorbikes and cars passing you each minute and it seems just incomprehensible that people aren’t dying right in front of your eyes. If […]

Bali beaches, sacrifices and an early retirement

Bruce Brammall, The Australian, 6 January, 2025 Sometimes, an email pops up into your inbox that signals “success”. You’ve been working towards this. And it’s finally happened. If it was a cocktail – appropriate for this time of year – it’s made up of two parts happy, one part pride, one part a nice type […]

Tis the season to break bad investment habits

Bruce Brammall, The Australian, 29 December, 2024 Four days on from collectively the biggest and most stressful family catering event of any given year and … I take it you survived. The stresses leading into Christmas for most families can be pretty intense on many fronts. Scrambling through finishing up work for the year, social […]

Can the Don make it great again?

Debt Man column – The West Australian (Money) For: 18 November, 2024. Debt Man Jeez, it’s hard to get a beer in Qatar. But I found myself one in an Irish sports bar in Doha. Where I met an interesting guy. Faced with two dozen screens showing sports I mostly wasn’t interested in, I settled […]

Did super just get better?

Bruce Brammall, The West Australian, 2 December 2024 Here’s how you should be looking at superannuation: It’s an awesome, legal, tax-minimisation scheme to help you save for your retirement. Your retirement cash ostensibly invested in the Cayman Islands or Bermuda, keeping dibs on a poolside deck chair for your arrival. Any money you put into […]

Fifty and super fabulous!

Bruce Brammall, The West Australian, 4 November 2024 As frantically busy as life seems to be, not much really changes fundamentally, day to day. Not big picture stuff. It’s a gradual shift through life’s stages. Your 20s should largely be about having fun. Your 30s might be partnering up, having midgets and managing mortgages. Your […]

Knocked for six? You’re not out yet

Bruce Brammall, The West Australian, 21 October 2024 Yorkers, bouncers, inswingers, sandshoe crushers, googlies. If you’re “facing” and wasn’t expecting them, they can be unplayable. Sure, cricket season has started. But I’m talking about life itself. A cancer diagnosis, your partner, family or friend dying, divorce, being scammed or naively taking poor advice. Nasty events […]

Next place to park? Start planning where to stash your cash when rates fall

Bruce Brammall, The West Australian, 23 September 2024 The pressure is building. Pretty much everywhere. And markets are saying, with certainty, that rate cuts are a-coming. But Michele Bullock, chair of the Reserve Bank, ain’t listening. Or possibly listening, but not hearing. And there’s a reasonable chance she’s cursing under her breath, not wanting to […]

Who’s the boss? Forget Bullock and Chalmers, it’s the money men you should be watching.

Bruce Brammall, The West Australian, 9 September 2024 “You’re not the boss of me!” was a common phrase my kids would trot out, usually to bossy friends, when they were young. They were taught it at creche. And it was about setting boundaries with other kids who were trying to tell them what to do. […]