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Welcome to Bruce Brammall Financial

Tag: Strategies to build super

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 […]

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 […]

The great mortgage jailbreak

Bruce Brammall, The West Australian, 6 June, 2023 Australia’s rapidly growing “mortgage prisoner” population, who have felt the noose tightening around their necks, could soon be handed a major reprieve. Hundreds of thousands of borrowers have been trapped with their current lender because of stubbornly rigid refinancing rules, which has stopped them from getting cheaper […]

Why advisers are howling

Bruce Brammall, The West Australian, 24 April, 2023 Some movies promoted as biographical, semi-documentary, or even entertainment, mask what are, in reality, horror stories. That is, Hollywood did a great job telling a yarn that had probably recently been the indepth subject of current affairs TV and maybe criminal proceedings. Punters enjoy Hollywood’s take. But […]

Zip it, boomer! Just one more rise to go

Bruce Brammall, The West Australian, 13 March, 2023 Raise your hand if, in recent months, you’ve had a Boomer remind you their home loan interest rates were once 18 per cent. If you have a mortgage, keep your hand up if you didn’t (a) swear at them, (b) kick away their walking frame, or (c) […]

General Jim marches off to the super trenches – It’s back to war

Bruce Brammall, The West Australian, 27 February, 2023 If there is such as thing nowadays as “superannuation wars”, I reckon I qualify as a war veteran. I’ve been reporting, and advising, on superannuation now for more than two decades. I’ve filed breaking yarns, and given advice from, the trenches, the field hospitals and, when I […]

NERDS GO TO WAR… But biggest losers will be anyone with a mortgage

Bruce Brammall, The West Australian, 13 February, 2023 Debt Man “When two nerds go to war, a point is all that they can score.” With due apologies to Frankie Goes to Hollywood … on this occasion, by nerds, I mean fund managers. And by war, the battleground of Twitter. Twitter occasionally lures me for a […]

Sweats and Frets – Should market chaos push back your retirement

Bruce Brammall, The West Australian, 14 November, 2022When markets behave badly – and it hasn’t been much fun in the sandpit this year – there are three broad reactions. The biggest cohort: “Didn’t notice. Don’t care.” Unless it made the front of the paper, it passed them by. The rest do care, but are polar […]

Headgames cost – Learnt behaviours can lead to money mistakes

Bruce Brammall, The West Australian, 31 October, 2022 “Get out of the way!” It was a thundering command, usually delivered to my brother or me, as we were in the kitchen foraging for food, while parents were doing important things, such as cooking meals. It eventually became sub-conscious. I hate getting in people’s way. I […]

Winners & Losers – But they’re not equal when Reserve hikes rates

Bruce Brammall, The West Australian, 12 September, 2022 Life would be so much easier if interest rates were a zero-sum game. Number of winners equals number of losers. Every dollar lost by one person on higher mortgage payments was gained by someone who is a saver. For everyone cheering a rate rise, someone was feeling […]