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Category: Articles

Have enough for retirement? It’s never too late

Bruce Brammall, The Australian, 1 October, 2023 There’s no hard and fast date for when the “retirement” question smacks you in the face. For most, it tends to happen some time in your 50s. I’m talking about those first, usually panicked, thoughts about what your retirement is actually going to look like. Have I done […]

Investing is a minefield – but you can succeed

Bruce Brammall, The Australian, 10 September, 2023 One of three things tends to get blamed for stopping us getting through all the important things we want to achieve in life. The things we blame are time, money and energy. If only we had more of these, the whole to-do list would get done. But you […]

Super sitting duck – Maybe, but it’s still the best way to save for retirement

Bruce Brammall, The West Australian, 28 August, 2023 Debt Man Confirmation arrived last week for those who thought governments were plotting a huge raid on Australia’s superannuation pot. The Intergenerational Report delivered the blueprint. Australia’s finances will be in structural deficit for the next two thousand years. People aren’t going to die soon enough. They […]

The super game is better played as a team of two

Bruce Brammall, The Australian, 30 July, 2023 Superannuation is usually seen as an individual’s life-long struggle to work the odds, to create their best retirement. But if you’re part of a couple, continuing to play the super game as a single means you’re probably missing opportunities. You don’t know, or haven’t read, the rules properly. […]

The super game is better played as a team of two

Bruce Brammall, The Australian, 30 July, 2023 Superannuation is usually seen as an individual’s life-long struggle to work the odds, to create their best retirement. But if you’re part of a couple, continuing to play the super game as a single means you’re probably missing opportunities. You don’t know, or haven’t read, the rules properly. […]

Battered and bruised

Bruce Brammall, The West Australian, 31 July, 2023 I see a lot of financial war wounds, a lot of bloodied balance sheets, many shellshocked from their first tour of duty to investing’s front line. Way too many have self-inflicted wounds – avoidable mistakes. Some, sadly, suffer from others’ greed or stupidity. (I’m talking about the […]

How “mortgage prisoners” can taste freedom

Bruce Brammall, The Australian, 23 July, 2023 Life would be so much easier if history read a little more like “An Idiot’s Guide to the Future”. Arguably it should. I mean, how many different variations of “mistakes” and “stupid” and “avoidable errors” can life hold? Homeowners would certainly love a reliable playbook to deal with […]

How “mortgage prisoners” can taste freedom

Bruce Brammall, The Australian, 23 July, 2023 Life would be so much easier if history read a little more like “An Idiot’s Guide to the Future”. Arguably it should. I mean, how many different variations of “mistakes” and “stupid” and “avoidable errors” can life hold? Homeowners would certainly love a reliable playbook to deal with […]

Why now is the best time to grow your super

Bruce Brammall, The Australian, 16 July, 2023 Some statistics deliver a brutal, stinging, reality. They hit home, right in the guts. Giving you life regrets, priorities you maybe got wrong. I saw some the other day about parenting that did exactly that. Sat me on my bum. By the time your kids are 12, you […]

Does a pro get bang for your buck

Bruce Brammall, The West Australian, 14 August, 2023 There are two basic ways of dealing with new challenges in life. There’s the DIY path, or the “nah, I’ll pay someone to do it” path. If you go down the DIY path, good luck. You’ll make some mistakes. Maybe a lot. But there’s a certain amount […]