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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.
Make a million dollars
by Michael O'Hara •
There is no secret to making a million dollars. The only problem is that it is boring, and it takes quite a bit of self-discipline.There is no secret to being able to make a million dollars the low-risk way. The only problem is that it is boring, and it takes some discipline to get started because…
Is Economic Stagnation inevitable?
by Michael O'Hara •
If economic growth cannot be lifted, and unemployment remains relatively high then does this mean that expectations for future growth and income should be reduced even further than they already have been?
Decent returns when rates are low
by Michael O'Hara •
How to make decent returns when rates are low? Term deposit rates have fallen to levels where investors are questioning the value of safety. Where to now?How to make decent returns when term deposit rates are so low? Cash and interest bearing income levels are at or near historically low points in all pure defensive…
Financial Planning Ethics – part 1
by Michael O'Hara •
Financial planning ethics are of paramount importance to sound financial planning. Yet this self-explanatory and seemingly obvious statement cloaks the areas of ‘grey’ within which financial planning ethics may not be at all obvious or not at all relevant. Financial planning ethics is all about communication. What works and what doesn’t; how things work and…
Sensationalist headlines
by Michael O'Hara •
“Carnage on global sharemarkets”! Sounds like an awful scenario, doesn’t it? What sort of outcome do you think would lead to headlines such as this? A fall of 30%? 20%? Whatever it is, the result must be pretty bad for the word ‘carnage’ to appear. Or so you would think… Let’s put aside the sensationalist…
Financial planners and insurance
by Michael O'Hara •
Proposals are afoot for major changes in the world of financial planning advice for insurance cover. If you are interested, here’s a brief note from myself and links to some of the key points being looked at by regulators and commentators.Financial planners continue to be in the news – gosh, we must be an interesting…
Thinking about insurance
by Michael O'Hara •
For a whole host of reasons, i’m thinking about insurance today. Thinking about insurance Insurance is one of those areas we all love to hate. Premiums always seem too high, we hear stories of insurance companies not paying out or the new stories about commissions being too high. After years of dealing with insurance companies and…
Financial Planning Ethics
by Michael O'Hara •
Financial Planning Ethics – from a financial planner’s point of view.It’s Philosophy Friday, so let’s spend a moment or two musing on the place of “Ethics” in the world of the financial planner. Financial Planning Ethics It may seem obvious that there is a place for ethics in financial planning. Financial planning scandals of one…
RBA drops interest rates – why?
by Michael O'Hara •
The Reserve Bank of Australia today announced that it has dropped interest rates yet again. Borrowers on variable rates linked to the RBA cash rate will rejoice when their particular financial institution eventually agrees to pass on the interest rate cut. Pensioners and people living off interest income will find their next interest payment is…
