You’ve probably heard that most wealthy people own nothing in their own names, but control everything through structures such as a trust. If Australia’s richest people use trusts, maybe it’s something you should consider also. Did you know that trusts have been around since the 12th Century? The Lord...
The cost-of-living crisis has been well documented. It’s clear that prices for various goods and services have risen sharply over the past four years since the pandemic started. Firstly, if you’re spending more on day-to-day expenses, it’s likely you have less to put towards investments, especially...
Having your own super fund provides more control, but they're not for everyone. The number of Australians choosing to manage their own superannuation investments – both before and during retirement – has been progressively increasing over time. Current data from the Australian Tax Office (ATO) shows around...
There are many types of concession and healthcare cards available to help older Australians access discounts offered by governments, local councils, utility companies and private businesses. These discounts can amount to considerable savings over the year and can be just as valuable as income support payments. But,...
Retirement is filled with opportunities and choices. There’s the time to travel more, work on long-delayed personal projects or volunteer your help to worthwhile causes. You also have a host of choices to make when it comes to funding your new life away from paid work....
Future investment returns are unknown, but past returns are a guide for retirement. If you’re a member of a superannuation fund, for all intents and purposes you’re a long-term investor. After all, most of us will be receiving regular compulsory Superannuation Guarantee contributions from an employer for...
Rising property prices have led many people to look for ways to unlock the increased equity in their homes so they enjoy a comfortable lifestyle in their golden years. For most of us, our homes represent the biggest or most significant portion of our wealth. But...
Longevity risk is a growing concern for many working Australians as well as retirees. The fear of running out of money in retirement, also known as FORO, is certainly not a new phenomenon. But Vanguard’s 2024 How Australia Retires research shows just how real, and prevalent, that fear is...
Why you need to compare apples with apples on super fund performances and fees. If you’re one of the roughly 16 million Australians with a managed superannuation fund account, you may be feeling reasonably chuffed at the moment. After all, your account balance is probably higher now...
There's a common saying that you should ‘begin with the end in mind’ - this is especially true for property investment. The problem is that too many investors begin their investment journey without considering what will be the best ownership structure. Without much thought to it, they put...
He is also an accomplished presenter and educator
Co-authoring the popular investment book, Property vs Shares.