​Rather than getting lost in the technical detail, it’s easier to walk through a real-world example.
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Let’s say:

• John buys an investment property for $500,000
• By 1 July 2027, it’s worth $800,000
• He sells it in 2032 for $1,000,000

Each year, the Federal Budget lands with a lot of noise.

Headlines, big numbers, political spin… and somewhere underneath it all, a handful of changes that may (or may not) affect your day-to-day life.

I’ve worked through the detail and pulled out what really matters—especially for those approaching or in retirement.

Let’s keep it simple.

I wish I had a dollar for every time I’ve been asked:

“Tony, how can I get high levels of income and growth without taking much risk?”

Let’s start with a reality check – you can’t!!

​Beware of recency bias - the trap that makes us overvalue recent events while ignoring the bigger picture.

So you've got a little spare cash. Not sure whether you should repay your mortgage sooner and pay extra in to super? 

A lot of people wait until their home loan is paid off before investing more in super. Is that the right strategy in the current market? Could you be better off when your retire if you make additional super contributions instead?
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It's one of the most common questions we get.  Here are some rules of thumb you can follow to work out what's right for you.

Hello volatility, welcome back.  It’s been a while. ​ 

​As share market investors, we should appreciate that we’ve had it pretty good for well over a decade.  It’s hard to understate how smoothly world equity markets have climbed since things settled down after the 2007-09 Global Financial Crisis. 

It can be hard to know if you’re doing well with your money or not, so we’ve taken the guesswork out of it for you.

Follow the link below to take our quick quiz and work out if you’re doing all the right things with your money or need to pull your socks up, as well get some ideas about what you should be doing next.

You can access our quiz below

Investment markets have been as volatile as I can remember in a long time.

This is all part and parcel of the share market investment experience. If you open the door for better returns, expect some shenanigans along the way. Markets will recover. As long as you have time on your side, there’ll be no real damage done.

But what if you are retired.