PORTFOLIO POINT: There has been a ferocious shift to defensive assets in recent months. Are you leading, following, or ignoring the trend? In a few days – November 1 – it will be four years since the top of the Australian equities market. Investment changed on that date. Few saw it coming. But investors’ understanding […]
Here’s the more important question … oh, Capital Gains, WHEREFORE ART THOU? You’ve been gone too long! We miss thee. We’ve learned our lesson. All is forgiven. Please come back! You walked out years ago and left behind your ugly sister, Capital Losses. We are truly sick to death of her. Small doses only. Not […]
PORTFOLIO POINT: Concessional contributions are the base of super. Current rules mean your contribution limits are wasted if you don’t use them each year. Are you making the most of your opportunities? Waiting. I hope nobody out there is holding their breath, because you’ll probably pass out soon. The pressure is growing on the government […]
“EX-TER-MI-NATE! Debt is the devil! It will kill you! You must not relax until all debt has been eliminated! Cancel worldly pleasures until debt is destroyed!” Um … you’re not a dalek. No, it’s not. No, it won’t. Yes you can. And the only person you’ll be punishing is yourself. Seriously, enough of this rubbish […]
Seriously? Trick question, right? There is only one “scam” almost universally common to Gen Xers. The most disturbing of them all. Tin lids! Kids don’t just vacuum your wallet empty every month for 20-odd years. Simultaneously, they suck up all your time, your love, your patience, your sanity, your sleep … And, damnit, your FORTIES! […]
PORTFOLIO POINT: Hmmm, not bad Australia. Our retirement incomes system is “back on the podium”. Now, how do we get to pole and, more importantly, into the “A” grade? In the last 12 months, I wouldn’t have thought that too much has changed in Australia’s retirement income streams system. That is, the things that I’ve […]
In the voice of Mr Miyagi from Karate Kid: “Aaah, editor sage like Buddha! One question asked. Two questions posed.” The first question: “How do you time the share market?” The second: “How do I know when I should invest in the share market?” Can mere mortal investors time the market? Not consistently over years […]
PORTFOLIO POINT: Parliament House was filled with enough hot air to nearly see it float off like a hot air balloon during the tax summit. Buried deep, however, were some interesting ideas for super. “Much of what has been said has been quite predictable. I could have written the script for this before coming in.” […]
Oh, too easy, Batman! When outgoings are more than incomings … when you work harder and harder every month, but still go backwards … when your credit card has that hideous, melted-plastic smell from overuse … Like an intergalactic trip on board the Starship Enterprise, avoiding financial “dark matter” can be difficult. For Gen Xers, […]
Everyone has a love-hate relationship in their life. If you don’t, you should go out and get one. It should be a pre-requisite for getting a licence to breathe. Love-hate relationships are about passion. If you’re not passionate about something … anything … you’re probably wasting oxygen. (And your licence to breathe may be revoked!) […]
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