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Curious Investor Behaviour - Number 11 Representativeness Many of us react to the daily avalanche of data by adopting shortcuts - we tend to generalise from a small sample, creating stereotypes and false patterns. An example of this may be the assumption that Chinese shares have participated in...

08 September, 2014

For the vast majority of Australians, superannuation is the best vehicle for long-term savings. Your super fund is important, both whilst you are contributing and also when making draw-downs to replace your working income. Most people now have the ability to choose both the type of super fund (e.g....

13 August, 2014

Borrowing money to purchase assets is a powerful strategy to build long-term wealth. Typically, a home will be the first purchase made with the borrowed funds, but it should not be the last! Paying down home loans and other lifestyle debt, such as credit cards, not only saves...

13 August, 2014

Cash flow is at the heart of your financial plan. If you are working, the ability to save after paying your expenses will have the biggest impact on your financial future. There are a number of different ways to manage cash flow. The pay yourself...

13 August, 2014

Relationships Research has shown that strong personal relationships are one of the most significant contributors to happiness. A 2002 study conducted by psychologists Edward Diener and Martin Seligman at the University of Illinois discovered that the most prominent characteristics common among the 10 per cent of students with the highest...

13 August, 2014

A good financial plan is not only designed for the good times, but must also withstand unexpected events. Risk means different things depending on your stage in life. Personal Insurance  For those with a family to support, insurance for death and disability is a must as these situations will have...

13 August, 2014