AJ Financial Planning Blog
We like the quote by R. Bennett when he summed up the following "Top 15 things money can't buy; time, happiness, inner peace, integrity, love, character,... respect, morals, trust, patience, common sense, dignity."
Our blog shares our latest ideas, critical thinking, thought-provoking insights, innovative exploration of the markets, economies, investments and areas in the financial markets that require change.
GARP….. Excuse me did I GARP…..what is it all about?
Last week I spent a week at the University of Nebraska attending an Executive MBA Course on understanding innovative methodologies to evaluate management and value companies. Omaha is the home town of Warren Buffett and the University of Nebraska provides some amazing degrees to study in this field of investing and security analysis.
How to build savings using an auto pilot?
Recently I have been getting up around 5:30am in the morning a couple of mornings each week to go to the gym. The winter time with the cold mornings are always the hardest to get motivated – particularly as I walk to my car in a brisk 4 degree morning.
What age is the correct age to retire?
Two weeks ago, I attended a medicate specialist appointment with a neurologist to discuss a CT scan of my brain and check everything was ok.
Follow my pattern 1, 2, 3, …..what will be next?
The above calculator assumes that if you invested $100k and this capital grew at 10% in value each year that the investment would be worth around $732k million in 20 years time.
The interesting thing with this mathematical calculation, is that it has taken 16 years to reach $500k. However between years 16 and 20 the capital value increases from $500k to $732k in just 4 years!
Learn why more than 5,000 Australians are turning to SMSF each month
Australia’s superannuation savings have swelled post the GFC to $1.8 trillion with one third of these assets now held in Self-Managed Superannuation Funds (SMSF) – making it the largest and fastest growing segment of the super industry.
Retiree, Property and a SMSF – are all these elements friends or enemies?
I have 2 young boys aged 4 and 6 years old and some days they are the best of friends, and other times they can be the worlds worst enemies. Sometimes I scratch my head and wonder what happened on these bad days!
Should you salary sacrifice or pay down your mortgage?
This is a common question that we hear from clients…. “Should I be using my spare cash to make extra mortgage payments, or should I look to get the tax benefits from salary sacrificing?” Unfortunately there isn’t a clear answer, as it depends on your financial circumstances… but let me explain further.
Should you salary sacrifice or pay down your mortgage?
This is a common question that we hear from clients…. “Should I be using my spare cash to make extra mortgage payments, or should I look to get the tax benefits from salary sacrificing?” Unfortunately there isn’t a clear answer, as it depends on your financial circumstances… but let me explain further.
Do you have to be a “propellor head” to be a successful investor?
When it comes to investing, throughout my career I have been particularly interested in the equation of whether an
Financial ratios that just don’t work
Why some financial ratios should be taken with a pinch of salt…
The start of a new year is normally filled with plenty of optimism for the future as everyone returns to work. This year, however, has started off to a very bumpy start. In the 131-year history of the Australian share market, only five times has the month of January been a final top to a major sell-off: these were in 1901, 1906, 1953, 1973 and most recently, in 2000. We will have wait to see if 2016 will fall into this grouping, or if it is merely a ‘New Year’s Eve hangover’ waiting to be shaken off.
To Reinvest or Not
When you acquire a blue-chip Australian share it is most likely that the registry will invite you to participate in a dividend=reinvestment plan (DRP).
Share-market Magic
The share market can be such a confusing place for an investor, can’t it? Particularly in more recent times with the global economic events that have been unfolding.