The Blog

Below I have reproduced from the ASX a chart that shows the broad performance of the Australian stockmarket.  Here I have used the ASX 200 index (code XJO) for 10 years, measured monthly till 25 August 2015. You can see that the market is now well off it’s peak in 2007 but still above the low in early 2009.  I … Read More

This week a short missive on the benefits of frugality. What is it, why is it a good thing, when can it go too far and why it varies for all of us. My definition of frugality is this: using your resources in the most efficient way possible to maximise your personal benefit.  If you go too far in this, … Read More

Recently Steve was interviewed by The Advertiser finance journalist Anthony Keane.  This resulted in an article that was published on news.com.au.  It is extracted here – Steve is quoted at length.  Thanks to Anthony for this great article. THE numbers are enough to scare many people off saving. Aussies are often told that they will need at least $1 million … Read More

We thank Mark Teale of AAP for his interesting article which we have reproduced here: No, I am not going to talk about how much you may have in assets, whether you are single or married, a homeowner or a non-homeowner, or how much you have in an account based pension. What, I am going to attempt to explain are … Read More

I am pleased to provide you with our first podcast.  There is an introduction to our philosophy, an interview with Karyn Hilton and what is financial planning? Just click in to commence. What is Financial Planning?  One of the interesting things about Financial Planning is that many people don’t know what it actually is.  This stems from the fact that … Read More