Long-term personal insurance (life insurance, trauma / critical illness, total and permanent disability (TPD), income protection, etc.) gives financial protection over many years. Because risk generally increases with age, insurers structure premiums to reflect risk and cost over time. The way you pay (premium structure) affects both the initial payment and the long-term payment. Two…
Investing always involves a trade-off between risk vs return. Higher potential returns usually come with greater risk—or more precisely, greater uncertainty of outcomes. For investors in Australia, managing this trade-off effectively means employing strategies that pursue growth while minimising the risk of extreme losses. Below, I explain why balancing risk vs return is crucial, describe…
Making financial decisions—on investments, superannuation, insurance, estate planning, debt, retirement—often involves long-term consequences. Poor advice can cost far more than fees: it can erode savings, expose you to risk you didn’t understand, or trap you in unsuitable financial products. Conversely, good advice aligned with your situation can help you grow wealth, minimise tax or fees,…
Buying your first home is often billed as a rite of passage. But given current market conditions in Australia, it’s more complex than ever. Before diving into debt and commitment, there are many things to think through. Here’s a breakdown of what the data shows, what you should consider, and when waiting or choosing alternatives…
