Your Money: Blog

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Education is the key to understanding anything in life. We learn to crawl before we walk, our ABCs before we read. Financial planning and investing are no different. Continual education is the key to happy and successful investors. Following, you will find an extensive selection of articles to empower you, including the most up-to-date news and information from the world of finance, superannuation, investment psychology, and fundamentals.

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Live longer, live richer!

“Financial fitness is not a pipe dream or a state of mind. It’s a reality if you are willing to pursue it and embrace it.” Niyati looks into what you can do to embrace your financial fitness.

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The Investing Olympics

The top of the Olympic Games medal tally is usually held by a select few countries that consistently place here. They are usually easy enough to pick, but is this the same with equities? Jason explores this further.

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Top 5 Excuses Why People Don’t Invest Their Money

What’s holding you back from investing? Join Caitlyn as she investigates the top 5 excuses of why people don’t invest.

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The ‘not so secret’ strategy to gain higher investment returns

“The share market is effectively the transfer of wealth from the impatient to the patient.” – Warren Buffett. What would he know?!

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Training for Your Future: Fitness and Financial Goals Aligned

Katrina recently started with a personal trainer, and she discovered some interesting similarities with financial planning.

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Dollar Cost Averaging: A Smarter Way to Invest

Dollar Cost Averaging is a strategy that helps manage the risk associated with investing. Mehak looks more into this topic.

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Regulation Can be Misunderstood as Approval

With the ASX set to debut its first bitcoin ETF this week, we thought a little reminder to ‘tune out the noise’ would be helpful.

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Queensland’s 2024-25 Budget

Join Ciara as she takes a look at the 2024-25 Qld State Budget highlights.

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A Journey Through the Go-Go, Slow-Go, and No-Go Years

Retirement is not just a single phase of life; it’s a dynamic journey with distinct stages, each with its own challenges and opportunities. Jason looks into how you can be prepared.

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2024 Federal Budget

Join friend of Alman Partners, Rick Walker of Lorica Partners, as he summarises the 2024 Federal Budget.

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Cash is King

Cash is King – Until Inflation Steals the Crown

Join Dr Steve Garth as he dives into the topic of inflation and how it could be eating away at income on your term deposits.

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Decision-Making

What was the most important financial decision you have ever made? Join Veronika as she looks into the decision-making process.

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The Only Certainty is Change

With numerous legislative changes passed in the last few months, Katrina takes us through a few of the ones likely to impact the majority.

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Rate Expectations

Rate Expectations

Many spend much time speculating about the direction and timing of official interest rate changes. How does it impact your portfolio? Dr Steve Garth investigates.

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Can you afford to get advice? Maybe you can’t afford NOT to get advice

Join Ashleigh Thompson as she looks at the real cost of not seeking financial advice and the benefits of having a financial adviser in your corner.

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Redefining Retirement to “Re-tryment”

Retirement can be an exciting time of life, but it can also be daunting. Some may experience “Relevance Deprivation Syndrome.” Join Niyati as she looks into this further.

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Build More Wealth Than Your Mates

Want to build more wealth than your mates? But how? Start earlier than they do, it’s that easy! Discover more with Steve Lowry’s latest article.

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Understanding the Lingo – the ABC’s

There is a lot of terminology that is used in the financial planning profession that, for most, is not used in day-to-day life. Katrina explains a few of these terms in her latest article.

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Cyclone Watch vs Market Watch

Cyclone Watch vs Market Watch

The recent observations of human behaviour surrounding the tropical low

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Investment Lessons from 2023

Much will be written about what happened in financial markets last year, but there are three key lessons investors can take out of 2023. Join Dr Steve Garth as he covers these lessons.

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Traditions as Living Legacies

“Tradition is not to preserve the ashes but to pass on the flame.” Join Veronika as she looks at creating new financial traditions this Christmas.

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Have yourselves a Merry Little Christmas!!

Christmas 2023 is here! While it is the most wonderful time of the year – it is not necessarily so for everyone. Join Niyati as she discusses how to make your festive season a little merrier.

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Facts & Hugs!

Paul came across one of Carl Richard’s fantastic sketches this week, which provoked some reflection on ‘scary markets.’

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Confronting the “R” Word

Much media commentary in Australia and New Zealand right now

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Festive Season Savings

With Christmas just around the corner, it’s an easy time to overspend. Join Katrina as she looks at some tips to save money leading up to the festive season.

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60 Years of Sundays

The 60-year retirement may not be that far away. Steve discusses being mentally and financially set for life’s next stage, however long it may be,

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Cracking the Code: Why People Fall for Scams

Australians lost a staggering $3 billion to scammers last year,

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Securing Family Wealth Across Generations comes with heavy responsibility

Join Partner Paul Shepherd as he covers his learnings from this year’s GAIA Global Conference.

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Vlog: Market timing simply does not work

Join Veronika Holubova as she discusses why timing the market

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ETFs – Pandemic Investors Pick

Join Teneale as she looks into what ETFs are, and how they became a popular investment choice during the pandemic.

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The role of a professional financial adviser

The Value of Working with a Financial Adviser What is

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6 Common SMSF Mistakes & How to Avoid Them

When it comes to setting up a Self-managed super fund

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Act now and retire with confidence!

How much do you need to retire? When should you start planning? Join Katrina as she looks into these interesting questions.

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Top 10 Investment Guidelines

The media would have you believe that a successful investment

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The Wine Lovers’ Guide to Investing

Savouring a vintage wine is one of life’s great pleasures. But often overlooked in the joy of consumption is the carefully calibrated journey from grape to glass. Similar levels of care are critical to good investment outcomes.

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An Ever-Vigilant Guardian

Alman Partners has just undergone its 8th annual audit and successful renewal of our CEFEX certification.

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6 Behavioural Biases Affecting Investment Decisions (Update 2023)

“I can calculate the motion of heavenly bodies, but not the madness of people”
Sir Isaac Newton, 1720

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The Alman Partners ‘AP’ Way – Part 2

Following on from last week’s article, join Steve as he explains how Alman Partners have established an amazing culture, with The AP Way – Part 2.

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The Alman Partners ‘AP’ Way

When a company has a great culture, when you experience it, you know it instantly. Steve explains how Alman Partners’ have established an amazing culture.

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Super Changes for FY 2023/2024

Another financial year has passed, and a new one has knocked on our door with changes. Join Veronika as she takes a look at some of the changes to superannuation.

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Creator of Modern Portfolio Theory: Harry M. Markowitz

Harry M. Markowitz, an economist who changed traditional thinking about buying stocks, sadly passed away this June. Veronika looks into his revolutionary theory on risk & return – the Modern Portfolio Theory.

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The “Long” and “Short” of it!

Progress is rarely linear – even with investing. Niyati explores this concept in relation to long-term investing.

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How to make financial advice more affordable

We live in a complex financial world. Seeking advice can be unaffordable for many. The latest government review, the Quality of Advice Review, aims to assess how the regulatory framework could deliver better outcomes for consumers, potentially making to more affordable to obtain advice. Join Jason as he investigates.

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Increase to Age Pension Access Age

The age pension age will now be 67. Steve investigates what this will mean for younger generations and how they can prepare.

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Climate Change and Asset Prices

Do markets do a good job of reflecting climate risk in asset prices? Join Veronika as she looks into this issue.

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Wealth and Worth

When you hear the word wealth, what do you visualise? Join Jason as he discusses what the true meaning of wealth is.

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Impact of the RBA’s Decisions

The daily updates about COVID-19-infections have been over the past couple of months replaced by a constant conversation about the RBA’s actions, Veronika looks closer at the situation.

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Stairway to Heaven

Have you heard about the link between iPhone sales and incidences of deaths from falling down the stairs? Warwick Schneller from DFA investigates Spurious Correlations and letting this thinking drive investment strategies.

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End of Financial Year Superannuation Tips

Considering making additional contributions to your superannuation before the end of financial year? Join Katrina as she looks at a few common contribution types.

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What can you bank on?

Australian investors with exposure to global share funds may be concerned how the recent banking failures have impacted their portfolios. Read on with Niyati Khanna.

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Superannuation Tax Changes: Keep Calm (for now)

You’ve probably heard there are going to be changes to our super system. Jason takes a look at the proposed changes.

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Base Rate Fallacy

Join Associate, James Alexander, as he discusses common cognitive biases seen in the financial advice industry.

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5 Tips to Get Ready for Retirement

Starting the next chapter of your journey into retirement is pretty exciting, however, there are a few things to consider when planning to retire. Join Caitlyn as she discusses 5 tips to help you get set for retirement.

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Building Wealth – Simple, Not Easy.

Diversification, patience, and sticking to an agreed plan: When it comes to long-term investment, the principles are fairly simple. But as in any area of life that involves delayed gratification amid constant distraction, simple does not always equate to easy. Jason discusses 7 tips to keep you on track.

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A Man’s Home is His Castle

Many people wish to remain in their own home in their older years. Katrina looks into some assistance packages available.

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Predicting Markets

Imagine devising an investment strategy based on predicting how a country/market will perform each year. Tough right?

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Investing in Uncertainty

  We are living in a time of extreme uncertainty

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Balancing Stones

Should I change my asset allocation to take advantage of the discount on shares?

With volatility, wars and media noise some investors are asking, “should I change my asset allocation?” Join Caitlyn as she delves into this question.

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10 Attributes of Great Financial Advisers

As a firm, Alman Partners is dedicated to being the best we can be for our clients. Discover the 10 Attributes of Great Financial Advisers.

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What Can Investors Learn from ‘The Block”?

Past performance is no guarantee of future results. Join James as he takes a look at this common financial phrase.

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Australians are losing more money to investment scams

Australians have lost $158 million to investment scams from Jan-May 2022; an increase of 314%! Read on to learn more.

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Interest Rates Keep Increasing

Lately, it seems that the cost of everything is forever

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Sticking to the Game Plan!

It’s what you do in the tough conditions that counts most! Join Paul as he discusses sticking to the game plan.

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A Solution for the Next Generation of Investors

Join Steve Lowry & Kerri Wallace as they chat with XY Adviser on how they created a solution for the nextgen of investors.

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Protect your Legacy

Join Katrina as she looks into protecting your legacy through business succession planning.

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The Whole of the Moon

Dr Steve Garth gives a comprehensive market overview of 2022 to date and discusses the end of the bear market rally.

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Market Returns Through a Century of Recessions – Alman

Join Niyati as she looks at a Century of economic cycles and the US stock market performance.

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What you need to know about Centrelink

Could you be missing out on Centrelink benefits that you are entitled to? Join Caitlyn as she discusses a few common benefits.

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The Value of a Trusted Adviser

Join Kelsey Dent as she discusses the value of having a Trusted Adviser in times of volatility.

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Let the Next Chapter Begin

What are you going to do when you stop work? Join Katrina Dhu as she discusses how you can live your best retirement life?

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A Survival Guide for Volatility

When markets are volatile it can be unnerving for investors, more so if you are in, or near retirement. Dr Garth discusses some survival tips.

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Blacks Swans & the Unknown

Uncertainty is often mistaken for risk, but they are actually two different concepts. So how do you manage it?

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Bull & Bear Markets

Bear Markets are Common & offer Higher Expected Returns

The US stock market officially became a ‘bear’ market this week. So what does this mean for your portfolio?

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Money Race

It’s not a Race

We are often made to feel that stock market investing is a race. But is it? Join Niyati as she discusses this further.

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Managing your Money and what Psychology has to do with it

Behavioural Finance took shape in the 1980s, before this point traditional finance dismissed investors’ psychology and the idea that biases can work against the investor, to make good investment decisions. Join Caitlyn as she discusses some of the most common biases in finance.

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What Does A Change Of Government Mean For The Stock Market?

Dr Steve Garth discusses the recent Australian Federal Election and financial markets.

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Tips to Stretch your Retirement Dollars

Join Jason as he discusses a few tips to help retirees stretch their dollar a bit further.

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End of Financial Year Checklist

EOFY is coming up, it’s a great time to start thinking about how you can get organised with your finances.

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People’s News: Buy now Pay Later – Is it all good?

Join Niyati as she discusses the downside of instant gratification with Buy Now Pay Later options.

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People’s News: RBA increases Interest Rate – Should equity investors be worried?

Niyati discusses the recent interest rate increase and how it impacts markets.

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People’s News: When Warren Buffet placed a bet (and won!)

Niyati discusses when Warren Buffet made a bet against hedge funds and won!

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So, you think you’re ready to Retire?

Are you ready to retire? Steve, discusses his own challenges around this important transition in life.

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