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…

Investing vs Speculating

As an investor, you probably have a lot of questions, like “Will I be ok?” or “Will my money last long enough?”. These are great questions, but there is a simpler way to think about the answers to successful investing. Imagine all investments you can trade publicly could fit in a circle.  Those investments would Read more…

2016 Federal Budget summary

The Federal Budget Analysis prepared by the MLC Technical team, part of GWM Adviser Services Limited, appears below. 3 May 2016 Treasurer Scott Morrison has handed down his first Federal Budget—the Coalition Government’s third. The winners are low and middle income earners and small business owners. There are significant changes to superannuation that could warrant further discussion with Read more…

Think, Act and Invest Like Warren Buffett

As I observe in my book, “Think, Act, and Invest Like Warren Buffett,” one of the great anomalies in investing is that while investors idolize Warren Buffett, they tend to ignore his advice, especially when it comes to efforts to time the market. The following are just a few of his many “words of wisdom” Read more…

Living on the Investment Edge

Digital innovation has democratised access to financial information to the point where anyone with a smartphone, a few apps and real-time news and data feeds can be like a pro trader. But who wants to do that? And do you need to? In the world of information flows, speed is barely an issue anymore. And Read more…

Sliding Doors: The Financial Sequel

Sound investing for the long term is not just about sticking to your chosen pathway. It also means staying off those investment paths that can derail your journey. In the 1998 British-American romantic comedy ‘Sliding Doors’, the story revolves around two contrasting life outcomes for the central character, played by Gwyneth Paltrow, all stemming from Read more…

Running (Investing) to Stand Still

Trying to correctly time your entry point to the market is never easy. Just ask the experts. In early February, strategists at a global investment bank were becoming alarmed at political events in Europe, the sequestration “crisis” in the US Congress and what they saw as an unseemly rush into equities. The word went out Read more…

Expensive Mistakes – Investment Diversification and Risk

There are two ways of learning. You can be taught how to do something correctly or you can be shown the consequences of doing it wrong. In the world of investment, it’s a lot cheaper to learn from others’ mistakes. A recent edition of a television current affairs program detailed how elderly Australians, many of Read more…