Are reported property market returns exaggerated?

I recently came across an article which highlighted how Melbourne house values had increased by 10.7% for the year ending 31st of March 2016.  This is really quite amazing, and got me thinking; ‘I wonder if our house has had this same sort of return?’

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  • Are reported property market returns exaggerated?

    I recently came across an article which highlighted how Melbourne house values had increased by 10.7% for the year ending 31st of March 2016.  This is really quite amazing, and got me thinking; ‘I wonder if our house has had this same sort of return?’ We live in Thornbury which is north of the city, roughly 8km from…

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  • Retired? Should your investments be held within Superannuation?

    Superannuation is seen, and referred to as the investment retirement platform for the majority of Australians. Retirement savings and retirement income in actual fact do not have to be based within superannuation, and in many instances, superannuation may be overly cumbersome, expensive and inappropriate to justify having this structure for the majority of Australian retirees….

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  • Selling complexity

    How can there be so many instances of professional negligence and abuse? Over 600,000 clients will be reviewed and may be offered compensation from the Commonwealth Bank and Macquarie Bank financial advisory divisions for wrong, or incompetent, or conflicted financial advice. This is not the first, and certainly not the last time where the big banks and…

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  • One Percenters

    Retirement planning, like any other long-term successful survival strategy, is all about generating certain outcomes rather than going for spectacular one-off events. In life, as in long-term financial planning, one can make sure of certain things and lock them into place thus providing a much greater chance of achieving realistically set targets. The secret to all this is…

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  • Sweeping, generic statements from the media

    Some of you may have seen the article that was published in the Age yesterday which focussed on the fact that having $1 million in superannuation won’t be enough to fund retirement.  The commentary came from ‘Superannuation industry veteran and chairman of retirement income at Challenger, Jeremy Cooper.’ Jeremy Cooper is employed by Challenger who are a provider of retirement income…

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  • Sceptical Analysis – Part 2

    We recently wrote a blog which highlighted our approach of having a sceptical point of view when looking at financial products.  Often financial product providers will try and use flashy brochures, marketing tools and advertising techniques to sell their offering, as opposed to providing a clear understanding to the consumer on why they would be better off in…

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  • Sceptical Analysis

    We are forever mindful of our duty to identify and secure real value for our clients when managing their financial positions. Our evolution to becoming totally independent financial advisers, has been in large motivated by our long term scepticism of fund managers, their products and the lack of any value-add to the client. In fact, more…

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  • The secret to financial independence

    We are always focused on assisting our clients toward their financial independence; the time in their lives when they can comfortably step aside from their employment and embark on a journey of their choosing. However, before that journey begins every client needs the comfort of knowing their future lifestyle will not be interrupted or compromised due to…

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  • What being a truly Independent Financial Adviser means to us

    Over the last 18 months we have worked hard to position and move our business in a direction that allows it to be defined as an independent advisory. You may be surprised to hear this; but this is a rare achievement within the financial planning profession.  In actual fact, there is approximately 31 advisers (from…

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