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.
An Australian Silcon Valley
Around the world, governments are racing to attract the smartest, brightest tech entrepreneurs with offerings of cheap tax rates and other
Why Solar is Not Dead Under Trump
Thinking of investing in renewables? Does it make sense to invest in this sector, and what are the advantages?
Who knows you best; your partner, your friends - or Facebook?
With Facebook users reaching around 1.44 billion globally and users posting around 250 million pieces of information per hour on the site, the expansion of information is mind boggling.
Are You Ready for The Next Hot IPO...?
There is often a lot of noise in the markets around the next hot IPO (initial public offering), but is this method of investment really the deal of a lifetime?
What to expect from bone jarring volatility in the sharemarket….
A very good friend of mine a few years back undertook one of Australia’s most gruelling 4WD adventures know as the “Canning Stock Route”.
Nothing to report….Gosh that would be nice!
Each day we are constantly assessing the risk in the global market – whether it be Europe and the problems with one of their struggling members, or China with their dodgy economic data or bad loans.
Big house or lots of investment properties….which is better?
If you suffer from a love affair with property like many Australians, then you will often ponder the above two choices when deliberating how to build wealth long-term with this asset class.
Active Managed Funds…Do they really work?
These days a lot of people seem pretty interested in Managed Funds, with their flashy marketing and slick offices…. but do they really offer real value for money?
Is this stock overvalued?
When looking at an investment opportunity the most common question asked is “Will I be paying too much for this investment? Is this share over valued?” There are no shortage of books or information on how to determine the answer to this question
Interest Rates…Should I borrow more when they are high or low?
In 1976 the RBA (Reserve Bank of Australia) cash rate was around 12.85% and the average home loan back then was around 15.35% to 17% p.a. Today some 38 years on, things are very different with the RBA cash rate at 2.5% and the average home loan is around 5%.
Go…. no stop… no go, no I mean let me get out!
There has been a saying when it comes to investing, a lot of people expect to do exceptionally well when they first start investing. The reality with most early newbies can often be a mixed experience and a mixed result, if proper preparation or guidance is not provided.
Is your cash really safe?
I recently drove past the house and street that I grew up in as a young boy. It has been quiet a while since I was last in the area and it was nice to go back down memory lane. It reminded me that when I was a young I used to catch a bus to primary school and the bus ticket back then was around 35 cents.
Diversification….how much really is enough?
Diversification is a staple principle for most investors. The general idea is one of risk mitigation – or in other words, trying to avoid loosing your entire investment portfolio due to one bad investment decision.
Snowballs & investing – The importance of starting early!
Albert Einstein famously described compound interest as the 8th wonder of the world. A profound statement given that it was coming from one of the greatest minds of all-time.
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!