Financial Planning Perth

General discussion on the activities of a financial planner and their clients, as well as comment on broad industry trends and practices.

Retirement income and inflation

retirement incomes often are supplemented by work income
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How much money do i need to retire? This is one of the more common financial planning questions. However, the answer requires some digging into ideas and concepts that many people haven’t really sat down to think about before. A good starting point ti to look at the amount of income you need to live…

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Financial Planning Fees and Costs

its hard to know where to go for financial planning advice
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Financial Planning Realities This note is a broad look at financial planning fees and costs in Australia. It is necessary to put this all into the “public domain” as there seems to be a massive disconnect between what that financial planning industry/community IS versus what it is perceived/stated to be by various players. This leads to a…

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Musing on investing in the Australian Sharemarket

chance and uncertainty
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It’s Friday, and that means a cup of tea and a ponder of the mix of urgent, important, frivilous and ironic perspectives available to anyone interested in the Australian sharemarket. Musing on share market strategies It is not possible to predict markets. This reminder should be tattoo’d on the fingers of every person who elects to actively…

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Musing about… Property Returns

Westfield properties
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Property investment funds have had a stellar year… Just a quick ponder today, with a focus on the managed property investment scene. The area of interest is specifically the rates of returns currently showing for property investors in the major managed investments. This post has been prompted by recent advertisements which start with the returns…

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Higher super fund returns

A little question on your super knowledge
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Many super funds have had a reasonably good year these last 12 months. This will likely trigger a barrage of adverts and promotions that boast of this or that return beating this or that benchmark. Higher Super Fund Returns The point of this post though, is to look at super fund returns from a different…

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Michael’s Musing on New Year Resolutions

New Year resolutions
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Welcome to 2013, the year of the snake! Already a few weeks old, 2013 has all the makings of a very good year. For a start, the political systems of the three major economic global power blocs (Europe, USA and China) have managed to wriggle their way through some fairly tricky turf and start the…

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Financial Planners Perth, Western Australia

We are financial planners and we are here to help you - but we don't all do the same things...
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Maybe it’s just because of the general good cheer of Melbourne Cup day but my usual elephant-thick-skin is feeling a little tender at the moment. It could be just another example of the “straw that broke the camel’s back”. You know, when the accumulation of a long series of nothings suddenly begins to make each new piece of straw feel…

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Michael Musing on risk

personal risk - photo source deshow.net
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Your risk profile is your personal assessment of the areas in which you have leeway, and the areas in which you do not, in your attempt to achieve a result as close as possible to that unachievable perfect outcome.

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A word of caution on cash rates

cash term rates from financial banks - are they a good thing?
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When everyone is crowding around the feeding trough, it can be hard to see who is providing the food. So it is with cash rates right now, at least in my eyes. i think it is time to air a word of caution on interest rates for cash. Not necessarily the usual worry of losing…

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