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Welcome to Bruce Brammall Financial

Day: June 2, 2014

Returns from cash deposits have been tiny over the past year. Should cash still play a role for investors?

TINY? That’s generous! Cash returns are dead! D-E-A-D. They’re in negative hyperspace. Yes, less than zero. How? If you’re earning 4 per cent interest, then take off tax (at the average rate of 34 per cent), you get 2.64 per cent. The RBA says inflation is 2.9 per cent. That’s a negative real return. If […]

The super property end game

SUMMARY: If you’re comfortable with property outside super, why wouldn’t you invest in property inside your SMSF? The power of property investment is a broadly understood wealth-creation concept by those Australians who have been doing it for a long time. Australians are increasingly getting used to building property portfolios, and are at ease with the […]