Bruce Brammall, The West Australian, 27 January, 2019 “What do you mean I don’t have life insurance? I had over $1 million worth! I’ve got four young kids! What happened to it?” I was delivering bad news to Michael, after researching his super and insurances. Sadly, Michael explained, he was too busy as primary caregiver […]
Bruce Brammall, The West Australian, 4 January, 2019 New Year’s Eve is a stupid time to make resolutions. Don’t add to an often underwhelming night with a promise you’ll have forgotten in two days. Should we really be making life-changing decisions at a time when we wouldn’t legally be allowed behind the wheel of a […]
Bruce Brammall, The West Australian, 21 December, 2019 Christmas is only a “Ho, Ho, Ho” away and I hope there are plenty of goodies under the tree for you. But this week, call me “Investment Santa” … I want to give you one present to unwrap early. Right now, actually. Here it is: Turn on […]
Bruce Brammall, The West Australian, 9 December, 2019 I’ve got a mate called Dan. Dan is generally pretty funny, very dry. Most of the time, I laugh “with” him. Sometimes, he knows, it’s “at”. Dan reckons, when it comes to investing, your “risk tolerance” is something you were born with. It’s in your DNA. And […]
Bruce Brammall, The West Australian, 25 November, 2019 Hey, if banks needed to “phone a friend” right now, do you reckon anyone would take the call? They’re stinking more than a car full of teenage boys after a half-day basketball camp. It feels like at least one major financial institution a day is getting charged, […]
Bruce Brammall, 13 November, 2019, Eureka Report SUMMARY: Super fund property gearing is still an effective, legitimate, strategy. With property markets rebounding, could it deliver rewards for you? In recent times, “super fund property gearing” has become a dirty phrase. For two years, until recently, property prices in the two biggest markets of Sydney […]
Bruce Brammall, The West Australian, 11 November, 2019 A disturbing element of being a financial adviser is the financial horror stories you hear. A new face starts talking about their current position. Sometimes truly ugly scars are unveiled that might, hopefully, be healing. Too often, it’s wounds still gushing body fluids. Some make me […]
Bruce Brammall, The West Australian, 28 October, 2019 Sometimes, it helps to look at things backwards. Gives you a different perspective. Today, that’s superannuation. Let’s look at super the “Benjamin Button” way. Start your super life at the end and work backwards. Sadly, the average person’s view of super is: “Super can’t be trusted. Be […]
Bruce Brammall, 16 October, 2019, Eureka Report SUMMARY: In-specie transfers to your SMSF should be back on the table, particularly for employees. The world’s entered a time-warp dimension when just the franking credits on a parcel of shares in a super fund are giving better returns than cash. Buy some Westpac shares and you’ll get […]
Bruce Brammall, The West Australian, 14 October, 2019 “Do you want to know how to create $300,000 in 14 months?” This is the opening line in an email I have received, roughly, twice a week for a year. It sure sounds good. Who am I kidding? It sounds TOTALLY AWESOME! It’s not a […]
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