Borrowing capacity isn’t enough for an investment-grade property?  

If you are considering borrowing to invest in a quality property, I would like to remind you of three important considerations. Firstly, it is my thesis that property investors must be more selective about which property/s to invest in. In that past, investors have benefited from a rising tide (driven substantially by rising borrowing capacities), …

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My investment philosophy is based on 4 principals. What is your investment philosophy?

I was listening to Morgan Housel’s new podcast recently (which I highly recommend by the way), and he said something along the lines of; once you define your investment philosophy, you won’t be distracted by any noise that doesn’t align with it. It really resonated with me. Success with investing is more about avoiding mistakes …

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The typical life cycle of an investor

Most people struggle with working out how to invest their money. Do they upgrade their home, contribute more into super, buy an investment property, invest in the share market, or something else? In fact, this common challenge was the reason that I decided to write my book, Investopoly. I knew that if people understood the …

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A recession in the US will crash stock markets! What to do before that happens

We are all aware that central banks around the world have been hiking interest rates to reduce inflation back to normal levels. The US economy, and particularly the labour market, have been more resilient than most expected. This means the US central bank might have to hike interest rates higher than in other jurisdictions to …

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Private school fees: the true cost and alternatives

It is stating the obvious that private school fees are expensive. If you are uncertain whether you would like to send your kids to a private school, I thought it would be interesting to consider some alternatives and put the costs into perspective. The public versus private school decision is a very personal one influenced …

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You most important financial step for 2023

Good cash flow management is by far the most important practice that you must master to be successful at building wealth. I realise that it’s not a particularly popular topic, but bear with me, because it’s an easy thing to master if you know how. It won’t take you much time, and you will feel …

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Where should have you invested in 2022?

In 1905, George Santayana wrote; “Those who cannot remember the past are condemned to repeat it.” That’s why it is always worthwhile to reflect on the past year to identify any lessons that we can learn. Below I share the investment lessons that I believe last year taught us.   Review of markets in 2022 …

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