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Money management articles & tips

How confident are you that the way you currently manage your money is the best way, and that you are effectively capturing your surplus cash flow? Check out our informative articles for tips on successful money management and learn how cash flow management is essential to successful property investment and how it can impact on your lifestyle in retirement.

Nothing ever Changes if Nothing Ever Changes

Have you considered if your retirement income will sustain your lifestyle? If not perhaps it is time to put away the fear of change and act now. Households are going to be in for a rude shock in retirement, as they come to terms with reduced income and the impact on their lifestyle unless they start acting now. There is a rule of thumb to help ...

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Return on Investment

What defines Return on Investment and how it differs for Property and other Financial Assets? And how do you align your expectation and the reality of the returns? In previous articles we've been discussing the “outputs” that we are seeking from an Investment Strategy.  Most importantly, we will be looking for ongoing capital growth o...

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The Impact of Knowledge

Previously, we've discussed the “inputs” that will be required for an Investment Strategy starting off by talking about the different ways that money and time will be required to implement an investment strategy and their impacts on the outcome of that strategy. Another key input that will be required of any prospective investor is knowledge...

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The Impact of Time

In a previous article, we began discussing the “inputs” that will be required for an Investment Strategy by talking about the role of money. Another key factor in any investment will be time, and time influences the outcome of an investment strategy in a number of different ways. The Investor's Time The first aspect of time that we need to c...

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The Impact of Money

In recent newsletters, we have been discussing the “outputs” that we are seeking from an Investment Strategy. Most importantly, we will be looking for ongoing capital growth of our investment asset, i.e. that the value of the asset grows over time, a yield, or ongoing income stream, from the asset, e.g. dividends from a share portfolio or renta...

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The Impact of Risk

In our previous newsletter, we looked at the impact of the capital growth and the yield of an investment asset by considering an example of an investor owning shares in a fictitious company.  The example looked at the different outcome that would result, depending on whether the investor was seeking an investment which offers the prospect of a hig...

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Financial Sacrifices and Choices

This month commentary has evolved from the clear message that comes out of ANZAC day each year – Sacrifice.  Our Diggers’ case represents the most poignant and refined definition of the word.  The men and women of Australia back then and today are still choosing to make a sacrifice for the greater good of their community.  Some of them makin...

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The Impact of Growth vs Yield

Growth vs Yield? In whichever kind of investment, this question has always brought along endless debates. In previous newsletters, we have discussed the impact of the capital growth of an investment asset and the yield or income produced by that asset.  In the majority of long term investment strategies, both of these factors are important.  The ...

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The Impact of Yield

In an earlier article, we identified that there are many different investment assets available to use in a strategy designed to deliver long term wealth creation, and that different investment vehicles differ in a number of key characteristics.  In the previous newsletter, we talked about the capital growth of an asset and how it could affect the ...

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How Much Money is Enough?

If you stopped work today, how much money would you have to live off before it all ran out? If you stopped work today, how much income would your investments generate?  Would it be enough to live off?  Would you eventually have to sell down on your investments to ensure you had enough money to live off? How much is enough? If you have read s...

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The Impact of Capital Growth

In an earlier newsletter, we identified that there are many different investment vehicles available to use in a strategy designed to deliver long term wealth creation, and that these different approaches differ in a number of key characteristics, including : their upfront and ongoing cost in terms of both time and money, the extent to which ...

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