Financial Planning with a Difference

[Rob]  I started HPH Solutions because I wanted to do financial planning in a different way. I really wanted to better serve the people that were trusting me for their financial advice. [Michael]  Helping people to plan and reach their financial potential so they have more choices and can pursue their dreams, what could be Read more…

Federal Budget 2017

First home savers, downsizers and small business are the winners in Treasurer Scott Morrison’s second Budget – while taxpayers face an increase in the Medicare levy. Note: These changes are proposals only and may or may not be made law. Contributions from downsizing the home Date of effect: 1 July 2018 Individuals aged 65 or Read more…

The Power of Markets

This 2-1/2 minute video explains how security prices are set – and change – based on the collective knowledge of buyers and sellers.  Armed with this information, investors can be more confident about the power of the financial markets. video platformvideo managementvideo solutionsvideo player

6 Ways Money Can Buy Happiness

Whilst the Beatles sang “Money Can’t Buy Me Love” and that is probably true, it turns out that “Money CAN Buy Happiness”. Scientific research has concluded that it is how you spend your money that can affect your level of happiness, both positively and negatively. To help you spend your money wisely, here are six ways of doing Read more…

What does money mean to you?

Money is not good or bad or evil. Money simply is.   It’s a marker for the value that you created for someone else. It holds no power on its own. Without you it is nothing. With you it is simply an enabler. What you do with it is your choice, and it’s how you bestow Read more…

Investors, Connecting the Dots

Human beings love stories. But this innate tendency can lead us to imagine connections between events where none really exist. For financial journalists, this is a virtual job requirement. For investors, it can be a disaster. “The Australian dollar rose today after Westpac Bank dropped its forecast of further central bank interest rate cuts this Read more…

Long-Term Thinking: 1800-2013

Long-Term Thinking died on Tuesday. His last true friend, Vanguard founder Jack Bogle, was at his side. He was 213 years old. Long-Term Thinking lived an illustrious life since the start of the Industrial Revolution, when for the first time, people could think about more than their next meal. But poor incentives and the rise Read more…

The Vacationers’ Guide to Investing

Two colleagues went on vacation separately. One had a great time. The other had a miserable experience. Their respective stories provide valuable lessons, not just about taking a holiday, but about investment. Frances booked a beach house up the coast for a week. Brian opted for six nights of bush walking through the mountains. Frances Read more…

Riding the Emerging Markets Tiger

Many investors fell for emerging markets in recent years when they delivered sizeable returns. More recently, the associated risk has reasserted itself and the infatuation has faded. What’s the right approach? A major theme in media commentary since the turn of the century has been the prospect of a gradual changing of the baton in Read more…

Investing: Slow and Steady Wins the Race

Reliability and steadiness are essential to any successful career, whether you’re a teacher, a doctor, an engineer, or a barber. That’s because these qualities are directly tied to long-term performance. You won’t achieve success over the years if you don’t stick to your principles, if you fail to learn from your mistakes, or if you regularly Read more…