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Welcome to Bruce Brammall Financial

Can we afford debt hangover?

A lot of people under 35 will unthinkingly answer the following question in the affirmative. Can you really cure Friday night’s hangover by going out and drinking hard enough on Saturday to get a second one? Surely, that’s only going to make Sunday morning even worse. But does it really matter? It’s now only Sunday […]

To hedge or not to hedge

PORTFOLIO POINT: Were you too scared to take off the hedging safety harness last year? There was a big bang reward for those who were unhedged. Unlike most other investment opportunities, currency is very close to being a long-term, zero-sum, game. For every winner, there is, broadly, an equivalent loser. Share and property markets tend […]

Go ahead, take a risk

PORTFOLIO POINT: It’s time Australians and superannuation regulators understood exactly how long it is they’re going to live and have their super invested accordingly and appropriately. There’s a deep psychological problem with the perception of superannuation in Australia. And that is the constant focus on retirement age. Far too many Australians have in their mind […]

When confusion reigns, there are always ways to benefit

If there was an economic windsock, it would be blowing around in circles. Even if a direction was discernible right now, it would probably be flying the opposite way tomorrow. The messages in the news and from commentators are about as consistent as Mark Philippousis’s tennis career. (Any West readers able to spare ‘The Poo’ […]

Super’s windshift means a change of tack

PORTFOLIO POINT: New rules require new thought processes. Perhaps it’s time you considered gearing strategies as a way of beating legislative changes, battered portfolios and a listless investment horizon. The Rudd Government has been successful with its super contributions spin campaign. The halving of the limits, so their wrong’un goes, will only affect a wealthy […]

Nine steps to sidestep budget super sting

PORTFOLIO POINT: Get your skates on. The super cutbacks in the Budget means Australians have just six weeks to make the most of the currently more generous rules. Yes, it’s frustrating, but we’re just going to have to get used to politicians and their insatiable desire to tinker with superannuation. While constant fiddling cannot engender […]

Nine steps to sidestep budget super sting

PORTFOLIO POINT: Get your skates on. The super cutbacks in the Budget means Australians have just six weeks to make the most of the currently more generous rules. Yes, it’s frustrating, but we’re just going to have to get used to politicians and their insatiable desire to tinker with superannuation. While constant fiddling cannot engender […]

Mercer warns of super flu

PORTFOLIO POINT: Make no mistake – a major super fund could collapse, causing widespread panic. And some fund trustees are exacerbating the risk to members with high levels of illiquid investments. When a rumour gains a bit of traction, it can be hard to stop. Panic can set in very, very quickly. Reactions can be […]

Wayne Swan to give us his best Robin Hood

Gather round. I want to tell you a sad story. It’s been a tough year for the rich. They haven’t had much reason to smile since about, oh, October 2007. Since then, they’ve faced an almighty beating from the stock market. (I haven’t seen a thrashing as memorable since one delivered by a Marist brother […]

Your nine step budget strategy

PORTFOLIO POINT: The rumblings are getting louder that Wayne Swan will tinker with super again in next month’s Budget. So, here are nine things to consider doing now. Not that investors knew at the time, but this time last year we were about half-way through a market meltdown. This year, there are other things for […]