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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AJ Radio – Episode ​14

In AJ Radio’s 14th of episode, we talk about sequencing risk. What is it and how do we manage this type of risk when it comes to investing? We also provide an update on the geopolitical situation with North Korea and what impact this may have on the global financial markets.

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Should investors participate in class actions?

A flurry of class actions over the past few years raises the question: is this area of law becoming the new feeding ground for ambulance-chasing lawyers?

The marketing and PR is slick: ‘If we don’t win your case, you don’t have to pay a cent’; ‘Just register for the class action and you might receive some money; if it fails, you don’t have to pay anything’.

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Are industry super funds headed for an asset allocation disaster?

Superannuation funds within the retail and industry super fund market usually offer ‘balanced’ or ‘growth’-based investment options. But what does this really mean; and aren’t these funds all the same?

On 31 May 2017, Vanguard’s Balanced Index Fund reported an allocation to growth-based assets of 49.9%.

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AJ Radio – Episode 9

In AJ Radio’s ninth episode we delve into forecasts – what exactly is a forecast, and what might be in store for the 2017 year ahead. We will also discuss some legislative changes happening with Centrelink and superannuation and what this means for you. 

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AJ Radio – Episode 8

In AJ Radio’s eighth episode we delve into the solar energy market to find out where this energy source sits on the exponential curve, and then then examine the oil market and what the key risks are with this sector when it comes to exponential technologies and potential disruptions.

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AJ Radio – Special Edition on Insights from Singularity University Summit

In this special edition of AJ Radio, we bring you the latest insights from the Singularity University Summit held in San Fransisco last month. Attended by our own Shaun Gilbert, he reveals the latest thoughts and insights from some of the leading minds in exponential thinking and cutting edge technology on future trends for businesses

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Who gets a higher return- a trader or an investor?

I was recently watching a Disney movie with my two young boys, who are going through a basketball phase. The film featured real-life basketball star Kevin Durant, who presently plays for Oklahoma City Thunder. Incidentally, he earns a nice income of around USD 17.83 million a year… Anyway, in the movie his work ethic catchphrase is: “Hard work beats talent when talent fails to work hard”.

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AJ Radio – Episode 6

In AJ Radio’s sixth episode we reveal little financial tips and tricks to help you get ahead with your personal finances. We first delve into how you might get your bank to reduce your interest rate on your mortgage every 6 months, and then look at how self-employed people might use credit card points to help fund their next holiday.

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AJ Radio – Episode 5

In AJ Radio’s fifth episode, we delve into what headline numbers you should look at when considering an investment into shares to ensure you are not paying too much. We also look at the property market and what information is now available to determine a fair value for your next purchase. And finally, we’ll look philosophically at the timelines that you need to keep in mind when buying an investment, whether it’s property or shares.

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AJ Radio – Episode 4

In AJ Radio’s fourth episode, we delve into interest rates and where they might be headed. We also look into the key trends taking place for people looking to make a fixed interest investment, and discuss philosophically the notion of debt and what it might mean for anybody contemplating a mortgage.

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