Just like your car needs a periodic service to stay in tune, here's why you should rebalance your portfolio from time to time. A portfolio’s asset allocation reflects an investor’s goals and temperament—the need for return as well as the ability to withstand market turbulence. Over time,...
When your deposit is less than 20% of the value of the property you're buying, a lender is going to charge you a hefty lender's mortgage insurance (LMI) premium to reduce its risks. LMI is one of those extra costs that often catches home buyers by...
Every generation seems to think the next generation isn't doing it right. They offer well-meaning "advice" based on their own experiences, which may no longer have any relevance in our fast-changing world. Over the past three decades, the rate of change has been enormous due to rapid...
IF WE MUST NAME ONE ITEM THAT IS CRUCIALLY IMPORTANT TO CONSUME DURING OUR FITNESS JOURNEY, IT IS FRUITS. THEY ARE HEALTHY, NUTRITIOUS, FULL OF VITAMINS AND HELP THE BODY COOL DOWN IN THE SUMMER. HOWEVER, YOU CANNOT GO AROUND THE CITY WITH YOUR POCKET...
OUR NEUROLOGICAL SYSTEM BEARS THE BURDEN OF ALL THE STRESS, WHETHER IT COMES FROM WORK PRESSURE, FAMILY RESPONSIBILITIES, OR RECURRENT EVENTS. We are told to be productive, maintain our workout schedule, and ace our social engagement—all while continuing our monotonous routine or handling household chores. With everything...
Housing affordability is the current topic of conversation at dinner tables across Australia. And for families with Gen Y children, in particular, it's probably a discussion based around how they'll struggle to ever buy their own home. There's no denying it has become a lot harder to...
How much tax you pay on retirement income depends on your age and the type of income stream. For most people, an income stream from superannuation will be tax-free from age 60. How super income streams are taxed Types of super income streams Income from super can be an: account-based...
Many parents and grandparents worry about how to help the children in their lives achieve financial independence. But the value of long-term investment can seem like a dry and complicated idea for kids to get their heads around. In fact, many young people would like to...
Insurance is one of those things that some people mistakenly think isn't worth the cost. Unfortunately, that's why too many people choose not to take out appropriate insurance cover to insure their assets as well as their incomes. Thankfully, when it comes to insuring their homes, most...
Saving money is a fundamental aspect of financial security and wellbeing. A savings account, although often overlooked in pursuing more lucrative investments, plays a crucial role in a well-rounded financial strategy. Understanding how to maximise the benefits of your savings account can lead to increased financial stability...
He is also an accomplished presenter and educator
Co-authoring the popular investment book, Property vs Shares.