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.

 
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How can I tell if my super fund provider is in financial difficulty?

I recently reviewed Media Super’s Annual Report after reading a media article that reported them purchasing a 429-year-old violin as an investment. I thought this was an odd investment for a regulated super fund. Was this a responsible decision given the opaque market of collectables and the high transactional costs associated with such investments? And, how did this get past APRA? It triggered me to investigate Media Super’s investment policy.

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Is it better to retire on a $350k super fund, or a $900k super fund balance?

When it comes to retirement most people believe more is best, but is this always the case? Have the Centrelink changes that came into effect last year distorted reality; has the $350k super fund become the new $900k – without all the extra effort of squirrelling away so much for retirement?

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AJ Radio – Episode 1

In AJ Radio’s first episode, we explore the area of social media and how this technology is being used as a leading indicator to identify future investment trends. We then discuss artificial intelligence and how big data technology is being used to influence investment decisions. Finally, we explain what “fin tech” is all about, and how the finance domain is being disrupted by technology and innovation.

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The Super catch up… Are you chasing a $541K shortfall?

How do you catch up if you haven’t contributed to your superannuation for a while?

Perhaps you’re self-employed, have taken time off to start a family, or are just enjoying some time off work to travel the world. Whatever the reason, it’s likely that as a result, your superannuation might be a little light on. The question is does it matter if you miss a few years of contributing?

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Are you trying to chase last years returns?

One of the hardest urges to resist when it comes to investing is to not get caught up with the herd or the “group think of a market place”. This happens in all investment asset classes, and to some degree, why we see bubbles occur in a range of asset classes. The main cause of the problem is that people start to extrapolate the returns out into the future as if this is the new norm.

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Would you sell part of your soul to fund a purchase?

Most people don’t realise that in a lot of cases the best investment they own is themselves.

The main reason is that a person has the ability to generate income every year as long as you remain either self employed or employed. Despite market fluctuations, for some people this income source is pretty reliable.

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