Goals-Based Advice Archives

Event-Based Advice

8 February 2022
By Richard Marsden
In this paper, Richard Marsden articulates at what times we believe value can be best obtained by those serious about planning to become or to remain financially independent.

Predicting the Future

28 July 2021
By Richard Marsden
In this paper, Richard Marsden explores how financial modelling can add clarity to financial decision-making, assist in planning retirement, and improve the prospects of achieving a financially successful retirement.

A Biden world

30 November 2020
By Ronan Zille
As the world shrugs off the uncertainty of one of the most divisive US presidential elections in history and watches on as president-elect, Joe Biden, assumes office, the question everyone is now asking is; what does a Biden administration look like for markets and the economy? The answer should largely lie in the history of Biden’s political scorecard and whether his administration will lean towards a pro-market and pro-economic outcome.

The art and science of a redundancy payment

13 November 2020
By Rachel Barlow
With businesses and households around Australia suffering from the effects of COVID-19, we’ve been doing a lot of work recently for people who are being offered a redundancy, including pilots, senior flight attendants, academics, and professionals. We’ve seen how challenging it can be for redundancy recipients to assess whether they should accept a package.

How to construct a portfolio to withstand market volatility and a pandemic

3 September 2020
By Rachel Barlow
No one could have foreseen COVID-19 and its impact on the share market – indeed, it has been a “black swan event”, an “unknown unknown”. However, events like these have happened before; they’ll happen again. In this article, Rachel shares her expertise in constructing a portfolio that is designed to withstand market volatility and black swan events, like the current global pandemic.

(Video) The human side of crisis management

24 April 2020
On Tuesday, 21 April 2020, we hosted our webinar, "The Human Side of Crisis Management: Helping you support your employees in times of crisis". In the webinar, our presenters, thought leaders in their own fields, shared their insights into how human resource leaders and executives can make a meaningful difference to how their staff cope with financial stress.

(Video) Seeking safe passage

2 April 2020
On Wednesday 1 April 2020, we hosted our webinar, "Seeking Safe Passage: Personal Financial Strategies for Times of Crisis" where Dr Michael E. Drew and Richard Marsden shared their expertise, thoughts and views on what investors and retirees are facing in the unfolding crises triggered by the global Coronavirus (COVID-19) pandemic. If you missed it, you can view the recording here.

COVID–19: Dealing with uncertainty and ongoing financial implications

10 March 2020
By John Barton
We’re all becoming accustomed to our daily (perhaps hourly) Coronavirus (COVID-19) updates. As we come to terms with the human and economic dimensions of this infection, and the increased uncertainty inherent in the situation, it is no surprise that we see a range of impacts in the real economy and financial markets.

Investment fundamentals 102

28 February 2020
By Rachel Barlow
This article is the second instalment in a series we have developed on investment fundamentals. Taken into consideration when planning one's approach to investing, these principles can help establish a strategy that accounts for personal preferences, financial situation and ideal investment outcomes.

Time for a change?

14 January 2020
By John Barton
Often referred to as the lucky country, Australia has long enjoyed the comfort of decades of sustained economic growth. This situation has facilitated the development of simple yet effective approaches to investment...

Building a personal balance sheet with purpose: financial freedom and financial resilience

17 December 2019
In this article we contend that building a personal balance sheet with a specific understanding of purpose can lead people to financial freedom and increased financial resilience.

Investment fundamentals 101

13 September 2019
By Rachel Barlow
This article is the first instalment of a series we have developed on investment fundamentals which we will continue to build out over the coming weeks and months. The issues may be big or small, but ones we consider relevant for everyone, young or old, wealthy or aspiring to be so.

A note from our Investment Committee: volatility in equity markets

22 August 2019
By Stephen Furness
Large falls in equity markets in recent days have seen commentators focus on the increasing risks of a global recession. We provide a brief update below.

Warren Buffett is not wrong – but not entirely right

30 July 2019
By John Barton
Back in February, Warren Buffett released his 54th annual letter to the shareholders of Berkshire Hathaway. Since reading this year’s letter, I have been meaning to capture my thoughts on an aspect of Warren’s note that, while accurate, misses the point for most investors...

Planning for the high costs of education

2 July 2019
By John Barton
When it comes to raising kids, there’s not much that’s as important as ensuring they receive a good education. So, whether you’re thinking about your children or your grandchildren, ensuring you’ve thought ahead – particularly in relation to who you intend to pay for the inevitable costs – is paramount.

The roaring 80s to today

18 June 2019
By John Barton
You may remember the 80s – it was a decade of big hair, big phones, big pants and big hits. It was also a decade of one of the biggest stock market crashes in history. But even with October ’87 in mind, the 80s wasn’t actually a period of big risk taking for the average investor, or more accurately, an investor seeking an ‘average’ rate of return.

What does a woman want?

7 June 2019
By Rachel Barlow
Despite thirty years of research, Freud could not answer “What does a woman want?” Let’s not untangle that mystery! Let’s talk about what studies have shown the main financial goals for women to be, including repaying the mortgage, understanding and contributing to super, retirement planning, improving financial literacy as well as looking after family (children and parents).

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