link to Michael’s Musings Facebook Posts

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Michaels Musings - musings on financial planning from a Financial Planner in Perth, Western Australia

This is a link to Michael’s Musings Facebook page feed. Here, you’ll find all our latest posts, thoughts, and updates on financial planning, current trends, and practical advice. The Facebook page will usually include more regular updates – simply because my day-job is Financial Planner. Musing on websites and the like is an occasional extension … Read more

Portfolio Perspectives : When Experts Disagree

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When experts disagree Michaels Musings Photo by @zmachacek on Unsplash.com

Should you hold more Australian shares, or more American? It’s a question that sounds simple enough. But ask six experienced investment professionals and you’ll get six different answers—often contradicting each other directly. One argues that up to 87% of apparent US outperformance disappears when you adjust for currency movements. Another insists the US dominates global … Read more

Is the ‘Warren Buffett Indicator’ Flashing a Buy Signal?

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is the warren buffett indicator flashing a buy in 2025? when cash earns nothing michaelsmusings frankie-cordoba-UfRLtAHHaP8-unsplash

An Australian Financial Review article yesterday claimed that it was. So let’s use this as an example of how to look at news articles on financial matters—but from a financial planner’s viewpoint. What the Article Says The heart of the article is covered in the opening two paragraphs: “A key valuation metric touted by legendary … Read more

Balanced, you say?

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Balanced Super Fund: What Does It Really Mean? A traditional balance scale tipped unevenly, labelled "Balanced" – symbolising imbalance in a balanced super fund.

“When the system calls itself balanced, check who built the scales.” When is ‘Balanced’.. balanced? If you’re a member of a balanced super fund, this is a moment to ask what that really means in practical terms. “Balanced” super fund members will soon be finding out just how ‘balanced’ their fund is—or is not. I’m … Read more

Debunking Financial Planner Myths: Why You Might Need One

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Australia's cheapest super or is it

Do you ever catch yourself saying, “I don’t need a financial planner”? You’re not alone. Many Australians hold onto this belief, often due to misconceptions about financial planners and the services they offer. Let’s address some of these common assumptions head-on. So, why might you actually need a financial planner, even if you think you … Read more

Financial Planner Bias

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Here’s a Michael’s Musings look at financial planner bias from the perspective of the a financial planner. Why financial planner bias? Because financial planner bias is a key issue driving commentary, legislation and daily financial planner activity today.  Community perceptions and assumptions of financial planners have changed over the years, with the decades-long battles between bank … Read more

Super funds fail the performance test

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Results released in August this year showed that 13 super funds failed to meet the new super performance test. The funds have been forced to write to their members, informing them of this failure and suggesting they consider other funds. There are over 1 million super members involved and around 7% have since swapped out … Read more

Australia’s economy in pictures

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Here’s a link to my latest Facebook post – today’s topic is the release of the latest Chart Pack from the Reserve Bank of Australia. It’s not as boring as it sounds – there’s a bucket of interesting information on the world of money surrounding you right now.

https://www.facebook.com/musingwithmichael/posts/2499094953445383?__xts__[0]=68.ARD9tOxOrsUPRuxb93d9EnVwwHl2Oi09ERGakg05zXEflvmDGYZdgor6WOsEm8YNY9b9y_XaUGmW_Tg9qC5Cei1l5lrap3rUQcX1Nk9-wMR9_5U9Iy4i5p-IeK1yfFFS1kGSvkGPKschyccE7SBH2oRD6v_uzIgh8qHUaaV1uzuvSd9zp5hZ9BsppHeFwDwuThMudAm4V-FXx57Vjb7w-eTmFBxQIn69FFTAmB8V-IkVz9kfLh43JxeZt9JyrO1sc2nM_QS45iLHQJbvKuNDe4dthndcQ9AJrq74VqR4YdQAqRT_ynBe93zKADGhkDonvKRjvxAmGm5PkWanA6z2AQJcTB8nxz9Rcw&__tn__=-R
A link to my Facebook post on some key trends in the Australian economy.

Even if you don’t usually like financial detail, there’s bound to be something of interest for you somewhere in this update. After all, it’s Australia’s economy in pictures – and you are part of that economy. It impacts you, and to a lesser extent, you impact it – every day!

Enjoy your day, and your reading!

I’ve included a photo of some boys celebrating the release of the RBA Chart Pack. Look how happy they are. It’s fun stuff.

[ Photo brilliantly taken by Robert Collins on Unsplash ]