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Tag: Reversion to mean

Helmets on property investors! Worse lies ahead.

Keep your helmets on, investors – this is probably only a short break in hostilities. We’re still under attack. And the battles, on several fronts, aren’t likely to be over for some time yet. With the stock-market shenanigans, which at the end of August looked like they would right themselves, but then resumed stupidity. The […]

Why are we paying for Sydney’s binge?

        Penalties need to match the crime. And should be meted out to the evil-doer. As a statement, are there any objections? If I didn’t do the crime, should I be punished? So why do I feel like I am being whacked because someone vaguely related to me – like an idiot, […]

Market tap an insurance policy

    Are we all casually strolling into Armageddon? Hand in hand with that mob we hate/love that oils/finances our lives? I mean, what the hell is going on with our banks? They’ve been announcing record profits, but are now rattling the tins for cash injections, while punishing property investors by sharply increasing interest rates. […]

Lessons learnt — let’s dive back in

It’s about this time of year that I become thankful. If I’m writing this, my liver held out for another summer. Come February, we’ve still got warmer weather. And the cold beer that accompanies it. Beer gardens are good times. I loved the (too-short) holiday I get, to hang out with the kids and with […]

House prices have been improving nationally this year. Where do you think they will go in 2013-14?

Two words: Mean reversion. That means almost everything will go back to their long-term averages, no matter how out of sync they might become temporarily. The naughty child who starts actin’ all sweet as pie will eventually go and whack someone. Charlie Sheen, bless him, is possibly only ever one day away from getting back […]

The voices tell me … Property primed for recovery

Every now and then, little voices start talking to me. They tell me exciting things, but I’m a bit scared to listen. “Property, Debt Man, pin your ears back!” a ghost-like voice has suggested in a sultry tone recently. Almost instantaneously, I hear a second voice. And, inevitably, it’s arguing with the first voice. “Have […]

A super change to avoid death and taxes

PORTFOLIO POINT: A death-tax removed! A major tax win for super pensions was a pleasant surprise in the recent mini-budget. How often would a government tell the Tax Office to back off on legitimate revenue raising? In terms of animal species, it would certainly be classed as “rare”. It would probably be considered “endangered” if […]

Debt Man Investment Newsletter # 44

It’s June, so it’s grand final time in the financial advice industry, as well as so many others But amongst all the professional thunderbolts and lightning that are spraying around your workplace, you simply have to take time for yourself, even if its done on nights or weekends. You have to make sure that you’re […]

Aussie dollar bonus

You’d be daft not to stack up on your favourite wine when the local grog shop had a special on, wouldn’t you? And who hasn’t purchased half-price duty-free booze, simply because they were passing through customs? If you’re sitting in Bali with some fellow bogans, it’s even harder to say no. Heck, what’s $2.80 for […]

SMFS that breathe after you stop

PORTFOLIO POINT: Four things you need to check to make sure more of your super keeps on breathing after you stop. The prime driver for people getting into self-managed super funds is control. In rough order, of the types of control that SMSF trustees want to exert, it’s usually control over investments, control over tax […]