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Tag: Strategies to build super

Mortgage negatives are really positives

Bruce Brammall, The West Australian, 25 March 2024 In the big wide world of investing, there is nothing that discriminates between investors quite like cash. No, I’m not talking about how much of it one person has over the next person. (Some will say that’s discrimination, but this column isn’t going into the weeds on […]

Which half are you? Market optimists and pessimists can’t be both right

Bruce Brammall, The West Australian, 11 March 2024 No matter where financial markets or economic cycles are at, pessimists and optimists abound in roughly even numbers. It’s like a zero-sum game. Sometimes the weight-of-numbers balance tips a bit towards the pessimists, sometimes the optimists. But over the medium term, it’s a near perfect balance. When […]

Rollin’ with the punches

Bruce Brammall, The West Australian, 12 February 2024 Sometimes, some people just want a break from change. I get it. Some clean air to be able to consolidate and chill, before rules start moving again. Constant change can be tiring. Especially when it’s often the same obstacle that seem to get moved each year, almost […]

Relax knowing all the hard work is done – or is it?

Bruce Brammall, The Australian, 24 December, 2023 The last week before Christmas can be a tough one to get through – mentally and physically draining. It seemed like everyone I spoke to was falling over the line, just trying to get through to today, Christmas Eve. Sure, some jobs can be fairly cruisey heading into […]

Your retirement nest egg is a cracker, but… it is enough to hit the road?

Bruce Brammall, The West Australian, 4 December, 2023 A friend of mine, about this time of year, sits down with his wife, cracks a bottle of wine, and they discuss: “Should I go one more trip around the sun?” The chat is about whether Bill will continue working for another year. He’s in his late […]

Student or teacher? You can be both when it comes to investment lessons

Bruce Brammall, The West Australian, 20 November, 2023 There’s a special level of zen required of a parent when trying to successfully teach a teenage child to drive. Those first few hours behind the wheel – driving around vacant car parks, teaching where controls are, the basics of moving, indicating to other drivers, simple turning […]

Learn the rules to get more out of your nest egg

Bruce Brammall, The Australian, 12 November, 2023 Whenever you decide that you like something enough to want to become really good at it, what do you do? You study it. You find out what the real point of it is. You listen to the experts. You find out what separates the great from the good. […]

Boring but blooming – Is buying bonds really like watching money grow on trees?

Bruce Brammall, The West Australian, 6 November, 2023 Have you been deluged by ads and commentary telling you a particular asset class is a screaming buy right now? If you do read some financial material online, and haven’t … you must have adjusted settings on your socials! The calls started getting louder a few months […]

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. […]