“How do I generate my required return in a low return, high volatility world?” While a lot of investors are currently dealing with the same question, there are some big differences in their responses. Some fall victim to the ‘cycle of investor emotions’, becoming hostage to their ‘lizard brain’ where fight and flight responses either […]

According to media reports this afternoon, the United Kingdom (UK) has voted to leave the European Union (EU) – an unprecedented move in economic and investment market terms – which is sure to cause short-term market volatility and concern for investors.   UK votes to leave – what next ? Because this situation is unprecedented, […]

Downsizing in Retirement: A planner’s perspective (Robert De Ceglie) I recently spoke at a seminar on this very topic and here’s a few of the discussion points I raised at this event, which I have learned through experience both as the son of elderly parents and as a financial planner. Downsizing is such a huge […]

I’ve been thinking about property a lot lately and where it might be headed over the next couple of years. When I say property I mean all types, Commercial, Industrial, Retail and Residential, but in particular residential as there have been so many mixed messages from an array of commentators. Personally, I think that although […]

For many people who read this headline, you may be thinking that the answer to this question is reflected in the value of your balance sheet i.e. your net assets minus liabilities. Well it isn’t this time. For the purposes of this conversation, we looking at your future earnings capacity and quantifying the economic cost […]