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Early Retirement – Be careful what you wish for…
I once wrote an article titled “A funny thing happened on the way to the cemetery”. When the pension was conceived, average life expectancy was 62. Retirement age was 65. The pension was predicated on the assumption that most would never receive it. Someone born in...
Question of the Week: Inter-generational financial support
How best to deal with the worry of inter- generational issues…? In my email last week, I posed the question of how best to prepare for your own future… One client asked how they could help their (young) children – not yet born – because of their concerns about what...
Let’s Start a Conversation…
I spent time with long term clients and even longer friends over the weekend. Here was one part of the conversation – and I’d like you to continue it, along any pathway you choose… more of that later. “How much do I need to live comfortably in later life?” Average...
2024 The Year Ahead
There are things that can be taken as almost certain this year – so let’s plan for them. On the money supply side: At some stage this year the Reserve Bank will start to reduce rates. When rates fall by 0.25% it is almost certain that banks will act with their usual...
Wishing you all a very Merry Christmas
As 2023 comes to a close, I’d like to thank you all for continuing to trust in me to look after your loansand continuing to work for your best interests. A home loan is more than just more than just money, it is an opportunity to create a foundation forour future and...
The Melbourne Cup Rate Rise – Why Did it Happen, What Does it Mean for YOU?
This time WHY matters. The 3-year bond rate in the US is 5.30%, the 10-year bond rate 4.65%. The 3-year bond rate in Aust is 4.35%, the 10-year bond rate is 4.75%. Banks BORROW to lend to you at the 3-year bond rate (among many other sources) – so money is COSTING the...
Interest Rates Have Peaked
“The balance of risks now favour the prospect that the RBA is now on hold” - Bill Evans (The Australian Wed 2nd Aug 2023) I predicted quite some time ago that the “peak” of this interest rate cycle would be 6% (to you) and that you should plan around that – and that...
Well, that was a surprise…
Should it surprise us that 100% of economists on Monday became only 70% of economists by Wednesday? I will carefully analyse what the Reserve Bank board says as well as Bill Evans. I think it is possible that with this Reserve Bank board undergoing significant change...
The end of this interest rate cycle..
It is with a reasonable degree of confidence that I can say that interest rates have peaked (Bill Evans: The Weekend Australian: Sat 29th Apr: page 30). At the start of this cycle, I suggested that you plan for a peak of 5.5% (and more recently 6% just to cover a...
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