Blogs List

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Retirement Planning Risks – Sequencing Risk

January 29, 2021

Retirement Planning Risks – Sequencing Risk

Sequencing risk is when the order and timing of your investment returns are unfavourable. This risk is hidden to some degree and is a subset of market risk / volatility. 

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Retirement Planning Risks: Business Risk

January 25, 2021

Retirement Planning Risks: Business Risk

As author and financial adviser Nick Murray says:   you should never have so much money invested in something that you will either make an absolute killing out of it –   or be killed by it.

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Junk Bonds Masquerading as Term Deposits

January 22, 2021

Junk Bonds Masquerading as Term Deposits

Junk bonds are frequently advertised as “an attractive alternative to term deposits”. But junk bonds do not guarantee you a return, and they are very high risk. They often claim to have a 5% return – ...

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The give-up, get-back ratio

January 20, 2021

The give-up, get-back ratio

So, what is ‘the give-up, get-back ratio’? Another way to phrase it is: what can I give up today to get back something better later on? You guessed it – we’re talking about investing your money. And ...

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Why depreciation is a real expense, not just a tax deduction

January 15, 2021

Why depreciation is a real expense, not just a tax deduction

There’s no such thing as a free lunch. An oldie but a goodie – especially when it comes to tax deductions. Often you hear people justify buying a product or service because it’s a ‘tax write-off’ – ...

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Listener Questions: Selling property now vs at retirement

January 14, 2021

Listener Questions: Selling property now vs at retirement

First of all, thank you to Mike for listening to our podcast, and for sending us your question. We really enjoyed preparing for this complex podcast and we dug deep to analyse the facts and figures ...

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Protect your purchasing power, not your principal

January 12, 2021

Protect your purchasing power, not your principal

One of the biggest fears our clients have is that despite working hard to save their desired $1.5 million for retirement, they will lose that amount in a GFC-type scenario.

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Diversity leads to better decision-making

January 11, 2021

Diversity leads to better decision-making

We recently attended a 3-day business course about diversity and how it affects decision-making. But before we explain the relationship between those two, let’s look at a different relationship: that ...

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Retirement risk - Liquidity risk

January 11, 2021

Retirement risk - Liquidity risk

Being liquid describes how quickly someone is able to get to their cash. When we talk about the  risk  to liquidity, we mean any instance where the investor can’t buy or sell an investment as and ...

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FAQ – Are you corporately owned?

January 08, 2021

FAQ – Are you corporately owned?

We continue with our frequently asked questions today, and this is a fairly timely question as we recently got a new name as part of our rebranding last year; Lighthouse Financial Advisers became ...

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FAQ – Are they going to sell me a product they get a kickback from?

January 07, 2021

FAQ – Are they going to sell me a product they get a kickback from?

This is a question we get asked a lot. When we talk about ‘product’, we mean any product or service that we recommend when we meet with our clients: superannuation funds, super income streams, ...

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Retirement risk: Market risk

January 06, 2021

Retirement risk: Market risk

Like any kind of risk associated with money, thinking about volatility can be daunting. But what we always say is that you can never  entirely  get rid of any risk; you can only shift it.

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Why elections don't affect companies' value in the long term

January 05, 2021

Why elections don't affect companies' value in the long term

The US election took over the news for months near the end of last year. Big events such as this often go hand-in-hand with comments about the share market and how it will be impacted negatively if ...