My son is starting to get into video games. In many games, you have the option between playing on “easy mode” or “hard mode”. Sometimes I think we unnecessarily put our lives on “hard mode”,...
One of the most valuable exercises I run through with clients is “flawcasting” their financial future. It’s one thing to create a personal balance sheet setting out your existing assets and liabilities, and getting an...
“Maybe all one can do is hope to end up with the right regrets”, wrote Arthur Miller, famed playwright (and husband of Marilyn Munroe for 16 years). There’s a lot of wisdom in that...
I caught up with an old friend recently. He asked why more people don’t borrow money to invest. My first thought was that people borrow money to invest all the time. It’s called property...
Every now and then I see people recommending a rental property as a great retirement investment. If you have plenty of assets, a rental property might be a good investment as part of a...
Parents like to help out their children. More broadly, family members like to help out family members. It’s kind of a silly thing to say because it’s so obvious. But the fact that’s the...
If you’ve done any research on planning for retirement, you’ve probably come across the 4% rule. It originates from the US (specifically, Trinity University from Texas). This idea, like many US ideas, has spread...
Most online retirement calculators are overly simplistic. They can be a great starting point. Sorted.org.nz’s Retirement planner, for instance, is a terrific resource. (And better than calculators from many financial institutions *cough which can have...
I recently presented to a group of lawyers about estate/succession planning in relation to digital assets. I only had 10 minutes to speak so I had to make the presentation as practical and succinct...
The most important thing to get right when investing in financial assets is asset allocation.”Asset allocation” refers to how your funds are invested across different classes of financial assets, such as shares and bonds....
The folly of predicting market downturns
6 Aug, 2018
How to calculate your asset allocation
16 Sep, 2018
21 Dec, 2017
When taking too little risk is risky
16 Jul, 2018
How to flawcast your financial future
8 Feb, 2019