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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.

What goes up, does not always come down!

Australian All Ords reach a record high! S&P 500: an all-time record high! FTSE hits pandemic High! By most indications, the Australian and share markets around the world have done well. The run-up in the markets in Australia and globally has had mixed responses from investors. They are cautiously happy. Most are left with a … Read more

The Pre-Christmas Splurge

Another year has gone by, and Christmas will soon be here again. Time off work, eating and drinking with friends and loved ones, and of course, gifts to give and receive. What is not to look forward to about this merry time of year? However, nearly half of all Australians are not excited about Christmas … Read more

Emotional Investing = Gambling

As humans, our brains are wired to make emotive/instinctive or logical/rational decisions. In order to make us more efficient, the brain reduces the amount of information it processes to make a decision – thereby reverting to emotive/instinctive decisions. However, our instincts were never really designed for dealing with investment markets. Letting emotions dictate your investment … Read more

Mortgage Interest Rate Servicing Buffers

You may have heard in the news recently that it will now be tougher to borrow from the bank to purchase a home. Banking regulator APRA has announced mortgage minimum interest rate buffers will increase from 2.5% to 3%. So, what does that mean? When you apply for a home loan the bank assesses how … Read more

Making Sense of Inflation Headlines

Inflation came storming back into the headlines recently with news that Australian consumer prices had risen at their fastest annual pace in almost 13 years. What are we to make of this?

Life Is A Journey

Have you heard the adage that ‘Life is a Journey?’ Quality personal financial advice is your Google Maps for your Life Journey.

Are you receiving legitimate Financial Advice?

It’s important to know whether you are receiving legitimate financial advice, or if you’ve just had a conversation with somebody about finances.

Are hidden behavioural biases sabotaging your wealth?

1 in 3 Australians are now reporting financial stress. Discover how your cognitive biases may be influencing your financial decisions.

Your Professional Circle

When it comes to your life and finances, it’s important to surround yourself with people who can help you. Your Accountant assists you with personal and business taxation lodgements and your Solicitor will diligently assist you when going through a trying divorce or for legal documentation. But is your circle of professionals complete at this? … Read more

It’s a ‘Super’ Change

Effective from 1 July 2021, a host of superannuation changes kicked off, significant among them was the increase in the minimum rate of SGC.

Asset Class Investing is like Car Shopping

What is your primary consideration when shopping for a car? If I could indulge in my fantasy world where money was no object…

It’s Not Just About Saving Tax

With the End of Financial Year fast approaching the most common question we are asked is “How can I save tax?”   Firstly a quick caveat, whilst we are licenced to provide ‘Tax Financial Advice’ we are not tax agents. One thing we have learnt over the years is, if you spend $3 to save … Read more

Value Stocks’ Comeback and Why Bitcoin Isn’t a Bubble

Money.com recently spoke to Dimensional Fund Advisor (DFA) Co-Founder David Booth, to discuss a range of topics around today’s markets. At the end of the day, having a Financial Adviser to guide you through these, at times, controversial topics is invaluable. Enjoy the article. https://money.com/dfa-david-booth-value-stocks-bitcoin/   Alman Partners Pty Ltd, Australian Financial Services Licence No: … Read more

The goalposts move once more

How the Budget and upcoming changes may affect you, your family, and our clients.   Don’t worry, I am not going to regurgitate a breakdown of the Federal Budget, you can all Google that from a thousand sources. What I want to highlight is the value of proactive ongoing advice in the face of consistent … Read more

Do You Have Your Super Sussed?

Did you know that more than 80 percent of superannuation investors have never changed their investment option away from the ‘default’ (in order words, an option that is not necessarily customised for you and your specific circumstances)?

COVID-19: It has been an Emotional Rollercoaster

It is hard to believe that the first COVID-19 case in Australia was over 14 months ago, on 25th January 2020. Since then, there have been 29,240 confirmed cases in Australia, compared with over 131,000,000 worldwide. The ups and downs we have all had to endure, some obviously more than others, has taken both a ... Read more

Brisbane Expansion Marks Milestone

  Source: Mackay’s Daily Mercury, Wednesday 24th March 2021

$50 million! Can you imagine?

For many of us, the thought of having 8 digits in the bank account is a serious fantasy. But we know that for one lucky Mackay resident this is now his reality. This is no doubt a life-changing win but deciding what to do with any large sum of money is often a scary concept, ... Read more

Greenlights & Redlights

A great relationship, a newborn son, and a successful career as an actor. In 2008, Matthew McConaughey was feeling pretty good about his life in California. Then an unexpected family health emergency took him back to his home state of Texas.   Of all places, McConaughey and his young family ended up renting a home … Read more

The Rule of 72

Double your money with this universal truth: the rule of 72. Would you like to double your money? Type this into Google and you will get no shortage of suggestions on how to do that. Some will urge you to gamble, others to borrow as much capital as you can, chase crypto, commodities, specky shares. ... Read more

Amp up your goal setting with the Triple-A effect

It’s a new year. This year is going to be different. You have set your goals. Made sure that they are SMART goals and even written them down. Then life happens. Ever wondered why is it that some people seem to achieve whatever they set their mind to, while others start and never quite get ... Read more

GameStop Saga Will Have Hangover

GameStop. Hedge Funds. Wall Street Bets. Robinhood. What is going on? You can read about the story pretty much anywhere at the moment, so we’ll briefly run through it and then take a look at a few other areas we think are important and unlikely to see as much attention. A group of people on ... Read more

Welcome to a New Year

A New Year is often a time of reflection on ones’ goals and direction for the year ahead. Many of us ask ourselves what; what do I want to achieve this year, what do I want to do with my time and hard-earned money? But have you stopped to ask yourself why? Below is a ... Read more

The greatest risk to long-term investors today

Lurking just under the surface of the investment ocean is a risk waiting to devour desperate retirees. The danger – chasing yield. Yield simply means income generated on an investment over a particular period. It includes the interest earned or dividends received from holding various securities. Considering our current economic situation generating income is tough. ... Read more

True Value, True Wealth

To receive financial advice costs money, so it is no wonder the question arises - ‘Why do I need advice?’ or ‘We can invest ourselves via an app.’ A common misconception is that a financial adviser’s role is to generate returns on your investment, and whilst this is of course a key element to help ... Read more

2020 Federal Budget

The 2020 Federal Budget is all about jobs and spending to make more jobs.

Market Returns Through a Century of Recessions

What does a century of economic cycles teach investors about investing? Our interactive exhibit examines how stocks have behaved during US economic downturns. Markets around the world have often rewarded investors even when economic activity has slowed. This is an important lesson on the forward-looking nature of markets, highlighting how current market prices reflect market ... Read more

IOOF to purchase MLC

It was with great interest that I read the Australian Financial Review August 30th headline, “IOOF to buy NAB’s MLC Wealth.” Many moons ago when I started my career in financial services the three largest providers were AMP, National Mutual and MLC in that order. Sometime in the late 90’s our big four Aussie banks ... Read more

Put your Financial Health First with a Second Opinion

With most things in our life, we get a second opinion of some form or another. From purchasing a new car, changing jobs, getting a doctor’s opinion, or entering into a new relationship, we want to make sure it is right for us before we make a serious decision that impacts our future. In these ... Read more

It’s the Economy Silly

Well in Bill Clinton’s 1992 campaign he said, ‘it’s the economy stupid’. While playing golf I tend to get asked the following question often, ‘what do you think the share market will do this year?’ Lately, I am getting the following, ‘if the economy is doing so poorly, people are losing their jobs and businesses ... Read more

What’s Your Truth?

The Alman Partners Team have been reading a book called “Living and Leading with Heart, Above the Line” written by Stephen and Mara Klemich. We highly recommend this book if you are looking for a good read and a reflection on your own behaviours and why we act the way we do. The book talks ... Read more

That End of the Financial Year Summary

Like every other year, it is here - the end of one financial year and the start of another. It has been an unusual 12 months for the world, and certainly the markets. As they do, markets reacted to all developments – good and bad – with a positive or a negative movement. We hope ... Read more

Vlog: Lifetime Wealth Map

Join Paul Shepherd as he discusses what a Lifetime Wealth Map is and why it is important to have one.

Retiring? Be Confident in Your Income Source

When it comes to planning for retirement, a common question I receive is “what’s a safe way to invest my money?” Suddenly, years of planning to grow your assets as large as possible are now flipped, and protecting those assets becomes priority number 1. In reality, what many people want is not an asset that ... Read more

Don’t be a DIY failure

Many people have taken advantage of the Coronavirus lockdown to learn new skills – from baking bread to knitting, to learning a language. But trading securities, like rewiring the house, is not something you should do without professional advice.

If you risk nothing, then you risk everything

Risk. It’s a word financial advisers tend to use a lot. Most of the time what we mean is uncertainty. We know investors don’t like uncertain returns as uncertain returns are construed as “risky”. If there is uncertainty, we would at least want the prospect of achieving a more favourable outcome, or why would we ... Read more

Relying on the Big 4 Bank Shares for your income stream is risky business

As a financial adviser, I generally get into some interesting conversations at BBQs and dinner parties about people’s investment thoughts. One strategy comes up often, particularly with self-directed investors and it generally goes like this; “I am quite risk-averse, so I only invest in blue-chip shares like the banks, they pay regular dividends. What do ... Read more

How secure is your Cyber?

COVID-19 has us spending more time at home either working or binging Netflix. This has really put the spotlight on the level of cyber security we practice at home. Alman Partners take cyber security seriously. We have been extremely fortunate to work with experts and like-minded firms who have educated us in this area. The ... Read more

Invest in your Happiness

Investment bliss and happiness can be achieved. The investment experience does not have to be stress and anxiety-inducing - as long as you are armed with the understanding and logic to provide you proper perspective, context and expectations. The challenge of being disciplined in volatile markets is no easy footing by any means, but instead ... Read more

To Salary Sacrifice or not to Salary Sacrifice?

As you watch the news and hear the continual developments around COVID-19 you would be forgiven for thinking maybe it is time to consider stopping your salary sacrificing to superannuation and recommence when markets are less volatile. This can be a natural thought in times of volatility and rightly so seeing superannuation tends to be ... Read more

Talk to a CFP Professional

Need to talk to a Financial Planner? Listen to the Financial Planning Association of Australia’s (FPA) latest radio advert: .

Dealing in Quotes!

“Doubt is not a pleasant condition, but certainty is an absurd one.” - Voltaire I think the quote above from Voltaire is really apt for the current times. Given the heightened volatility in the market (year to date), one may be forgiven to think that markets have never been this volatile. This, as we all ... Read more

Is it time for the Barefoot Investor to put on some shoes?

In 2018 the Royal Commission heard that Scott Pape, the “Barefoot Investor,” had contributed to over $2.5 billion flowing into Industry Super Fund Hostplus via his unsolicited recommendations made in his books and online, shouting out the benefits of this fund. Considering the following article which we are sharing below, and others recently published in … Read more

How your Portfolio can beat the Coronavirus

Well, here we are again with yet another event that will impact markets and therefore your portfolios. Before I put these things into perspective from a financial point of view, I do want to acknowledge that events like these are terrible for the world at large. The uncertainty, fear and noise can unsettle us all, and there will be impacts to markets as we are seeing.

Warren Buffett advocates index funds for most investors

Why would one of the richest men in the world make this statement time and time again? Because over the long term most fund managers tend to be pretty poor at trying to pick stocks and subsequently underperform markets. Plus, they are expensive. He is so confident on this fact that in 2007 he bet … Read more

To SMSF or not to SMSF?

Are you thinking of starting a Self-Managed Super Fund (SMSF), or maybe you already have one? Wouldn’t it be fantastic to be in charge of your own superannuation money… You get to make the investment decisions, you’re held responsible for complying with super and tax laws, and you pay for this privilege in your own time and money (and potentially a lot of it!). Starting to sound a little more complex? Well, that’s because it is.

Finding lost and unclaimed superannuation

Are you owed your dues? If so – then you’re in good company! There are currently millions of Australians who are owed their share of the $20.8 billion in lost super monies (as at 30 June 2019). In fact, in our Mackay postcode alone, there is over $50 million worth of lost and unclaimed superannuation ... Read more

Have your super cake and eat it too

Can you boost your retirement savings and reduce your tax bill, at the same time? One easily overlooked financial planning strategy that is accessible from the current 2020 financial year is the superannuation five-year catch-up concessional contributions (“CC’s”) provision. For clarity, superannuation concessional contributions have a flat tax rate of 15% and individuals can contribute ... Read more

Super-duper ideas

It feels like the new year and new decade just started, and somehow we are already in February. 2020 is well underway! This year we will focus on releasing a series of blogs on different topics. The first of these series focuses on Superannuation. Super is such a critical aspect of all our retirement planning ... Read more

Why being a part of GAIA sets us apart from everyone else

Alman Partners are proud to be a founding member of the Global Association of Independent Advisors.

Lost super found – cash in your bank

Have you noticed more money in your bank account? You may not be alone, with around 10,000 Australians receiving cash back from the Australian Taxation Office (ATO) in recent weeks.

Timing isn’t everything

Over the course of a year, it’s not unusual for the stock market to be a topic of conversation at barbeques or other social gatherings. A neighbour or relative might ask about which investments are good at the moment. The lure of getting in at the right time or avoiding the next downturn may tempt even disciplined, long-term investors. The reality of successfully timing markets, however, isn’t as straightforward as it sounds.

It pays to know where your financial advice comes from

In the aftermath of the storm that hit the financial planning industry following Commissioner Haynes report on the financial services royal commission, which saw several big institutions exit the financial planning business, the one question that clients are (and should always have been) asking is – who is my Financial Adviser working for?

The human in financial advice

I do like a good book, and having just read a particularly interesting piece from philosopher Dr Simon Longstaff called Everyday Ethics: The daily decisions you make & how they shape the world, I felt moved to share my favourite quote from the book.

Three steps to creating your ultimate financial plan (part 3)

If you fail to plan you plan to fail. This is where our professional expertise comes in to play. Alman Partners will build and execute a strategic financial plan to help you achieve your personal financial roadmap.

Three steps to creating your ultimate financial plan (part 2)

This experience involves a Discovery meeting, and a Concept meeting, resulting in a tailor-made financial plan. Let’s take a look at what happens in our concept meeting.

How to get off the financial treadmill

Do you often feel like you’re on a treadmill when it comes to getting paid each week/month and having to meet all of the routine family expenses, loan repayments, bills etc? Like you’re running on the spot, and going nowhere? In our Mackay and Bowen Basin region, this is often amplified, because there are often very healthy incomes that make us feel like we should be getting ahead!

Three steps to creating your ultimate financial plan (part 3)

It has been said often that if you fail to plan, you plan to fail. Most successful businesses have a Business Plan, and most financially successful people have a Personal Financial Plan.

Three steps to creating your ultimate financial plan (part 1)

This experience involves a Discovery meeting and a Concept Meeting, resulting in a tailor-made financial plan. Let’s take a look at the Discovery meeting, or “Step 1.”

How to use financial planning strategies to reduce your taxes

Did you know that when your superannuation/pension monies are passed down to your adult children upon death, that the estate can pay up to 17% in taxes on these monies?

Financial Planning – Giving Peace of Mind

Human nature calls for us to worry – this instinct goes way back to the days in which we had to protect ourselves against predators. 

It pays to plan and catch-up (your super)

Superannuation has always been a tax-friendly environment and, as such, over the years legislations have systematically reduced the amount one can contribute to super.

Time is Precious

Money is a commodity that we can’t live without. As a result, we tend to focus a lot of our time on getting, and then keeping, our money. This only make sense. We work hard and don’t want to lose what we have earned.

The Uncommon Average: Long-Term Context on Annual Returns

Historically, the Australian stock market has delivered an average annual return of about 13%. However, most years have looked different than the average. The Australian stock market has delivered an average annual return of around 13% since 1980. But short-term results may vary, and in any given period stock returns can be positive, negative, or … Read more

Happy New Financial Year

Well here we are again, with another financial year at an end! The magical line in the sand that says pens down and step away, all you could have done is done and now it’s time to check the scoreboard.

Fiduciary excellence is a journey, not a destination!

“Clients must expect that they are the client and the focus; not their funds.” This has always been the case at Alman Partners, but we recognise the difficulty for our community in truly differentiating between an adviser that meets the minimum legislative requirements, and an investment fiduciary. We also recognise that our clients don’t always … Read more

Nothing says Forever like a Pronup!

How to manage your money as a couple Ever heard of a Pronup? Well, it certainly is not to be confused with a Prenup, which in legal terms is a legally binding agreement about what will happen to assets you bring to a relationship – if things don’t work out.  On the other hand, a … Read more

Legislative change: Checked your super lately?

The Treasury Laws Amendment (Protecting Your Superannuation Package) Act 2019, received assent on 14th March 2019 and the legislative changes contained therein will take effect from 1st July 2019. Here are some of the key changes that you may be affected by:

Downsize your home & Upsize your super

It’s the great Australian dream to own your own home. Whilst in our younger years, when it comes to buying (or upsizing) our homes, it can be seductive to “keep up with the Joneses”. Later in life, it can be just as alluring to downsize them. Lowered costs of electricity, insurances. Less maintenance. More time … Read more

Federal Budget 2019

The 2019 Federal Budget release was revealed last night with a focus on bringing Australia out of the red and into the black for the first time in 12 years. There were very few changes when it came to superannuation and the main focus of the budget was to accelerate the program for tax cuts.

The Paradox of Choice

Have you ever found yourself hesitating to make a decision?

Thinking of Borrowing?

If you ever want to access a loan in the future, you must read this blog.

Yoga: Teaching you how to Invest

True Wealth is not just having money in the bank, it’s an inner condition of wellbeing. It’s about your financial health, your personal growth, your life and love, your passions. Your health is also your wealth.

The Seven Faces of Valued Advice

What is the value of great advice? For advisers who have perceived their value to clients as the ability to deliver positive returns year after year or be accurate forecasters of markets, they will be finding it hard to enunciate their value proposition in this complex age we live in.

The Hayne Royal Commission Report into Financial Services

On Monday Commissioner Hayne made public his findings and recommendations on the Financial Services industry.  His report appears measured and pragmatic but will take time to implement.  The Federal Government has said it will act on 75 of 76 recommendations.  We have identified a few pertinent matters to share with you.

Wisdom in a Cookie

A number of years ago our team and their partners celebrated Lunar New Year together with a huge Chinese banquet. Of course, no Chinese banquet would be complete without the Wisdom of the Fortune Cookie. Have a read of the one Frances received…

Vlog: Early Bird gets the Worm – Compound Interest

Welcome to Alman Partners’ very first Vlog! In the first in our Vlog series, Paul Shepherd discusses Compound Interest.  

Interesting Vs Actionable

“Prediction is very difficult, especially if it’s about the future.” Niels Bohr, Nobel laureate in Physics

The universal reward of time and patience

In Leo Tolstoy’s great novel ‘War and Peace,’ a Russian general charged with defeating Napoleon and expelling the French from Russian soil argued against rushing into battle, saying the strongest of all warriors were “time and patience.”

Superannuation – Be Engaged

Superannuation – all workers have it. But why is it important to be engaged with your super?

Royal Commission – Asleep at the Wheel?

With the Banking Royal Commission in full swing, the spotlight is squarely on financial services regulators. Future Fund chairman and former federal treasurer, Peter Costello, stated it plainly: “The next step of the royal commission is to actually find out why the regulatory agencies weren’t awake and at the wheel.1“

The Invisible Money Generation

How can we teach our children that money doesn’t grow on trees, when the trees have become digital and invisible? For most of us, our first memories of money are of collecting small change, and witnessing our parents using cash to make everyday purchases. This experience, however, is no longer common – the game has … Read more

Super Insured?

Insurance inside super, can you count on it? We hear the statement “I have that insurance inside my super” often. But do you really know what you are covered for?

Looking for some loose change?

Happy Financial Year to All. Now that we are into the 2018/19 financial year, this means that the recent approval from the Senate of the seven-year personal Income Tax Plan comes into effect, and you may find yourself with some loose change in your pocket! The first step of this plan is to provide small … Read more

Let’s talk numbers

I get it, numbers – not everyone’s cup of tea, especially when there are too many of them being thrown about. But sometimes numbers help – numbers are facts, they are not open to misinterpretation – the context in which they are used of course can be (misinterpreted) but not the numbers themselves. As Pythagoras, … Read more

Banks should exit the Financial Planning business

What an extraordinary week at the Banking Royal Commission. AMP’s reputation has been shredded when the head of advice Jack Regan admitted that the financial services giant blatantly lied to ASIC 20 times and that they continued to charge advice fees for orphaned clients. Then it was CBA’s turn when the commissioner accused them of … Read more

Rainy Day Investing

Australia, earth’s driest continent, experienced national rainfall in 2017 that was 8% above the historical average. The year was the 30th wettest on record, according to the Bureau of Meteorology.1 But the story is more complicated than that.

Punching Well Above Our Weight

Imagine a mid-size Mackay based financial advice firm operating on the global stage. For clients of Alman Partners, this is a reality. As members of the Global Association of Independent Advisers (GAIA), our firm is at the forefront of Global Best Practice.

7 Keys To Help You Navigate Volatile Markets

Everyone has an opinion about what caused this latest bout of volatility in markets, coming after a long period of relative calm. But the key point for long-term investors is that markets are volatile by nature. Stocks go up and down as information and expectations change. Sometimes, this happens very gradually. Other times it happens … Read more

Should You Buy Bitcoin? Ask a Different Question First

I received these two messages within three minutes of each other recently:

Reading the Tea Leaves

Investors at year-end are inclined to reflect on the 12 months gone and muse on what the coming year might bring. Aware of this appetite for speculation, the media tends to feed it with forecasts. These articles can be fun to read, but are even more so a year later.

AP Bear Photo of the Year Award

With an overwhelming response from our clients this year, the AP Bear Photo of the Year Award goes to: Graham & Bev Hampton – Congratulations! Keep an eye out on the post for your prize. AP Bear catching up with a cousin in Canada. Visit our Facebook page to see more of AP Bear’s adventures. We look ... Read more

Chasing Alpha: Fools Gold!

As an investor you are constantly inundated with information: Where is the market heading, top 5 buys, top 5 sells etc. This clamour will increase in pitch as we approach the end of the year with predictions for which way the market is headed next year, it will roll in to it elections, status of … Read more

FAANG Investing

The financial media is drawn to catchphrases –acronyms and buzzwords that can be sold as the new thing. ‘FAANG’ (Facebook, Apple, Amazon, Netflix and Google) is the latest of these. But does this constitute an investment strategy?

AP Bear Photo of the Year Awards

The travelling adventures of A.P. Bear! A number of years ago we introduced this cute little fellow to our Alman Partners Family. We encourage our clients when they are travelling to collect an ‘A.P. Bear’ from our office and take him on your trips, take photos, and share them with us.

Fraud & Scams

Technology, it makes our lives simpler with ever-advancing, smarter access to our bank accounts and social media. Our lives are online, and the fraudsters know it. They are keeping up with technology and it’s up to organisations and ourselves to keep one step ahead of them to avoid falling victim.

Stick to the game plan

An advisor once said he did not so much have people with investment problems as he had investments with people problems. Your assumed rationality can vanish in a crisis. So why not build your human imperfections into your game plan? When unsettling news is breaking there’s a natural inclination among people to want to adjust … Read more

Fearing the Finish

Have you ever considered the psychological impact of moving from 40 years of working or earning an income to retirement? Over the years we have seen many clients successfully retire. The key to their success was planning early and being committed to their plan. But that is not where the journey stops. Below is a … Read more

From Rags to Riches to Rags

Among wealth advisers there is a saying, the first generation makes it, the second spends it and the third blows it.

Behind the Scenes

In March this year, Lia, Kelsey and Paul attended a conference in Sydney, where Ken French was one of the speakers. For those of you who don’t recognise the name, Ken French and Eugene Fama are co-authors and founders of the three-factor risk-return model research that our investment strategies are designed around. These guys write … Read more

Who said you can’t beat the market

Over the years our firm has argued that it is virtually impossible to beat markets consistently. Our research of professional active fund manager performance, against the market, highlights just how efficient markets are. The 2016 SPIVA report which evaluates the performance of 608 actively managed Australian investment funds & 294 International equity funds highlights this … Read more

AP Bear Photo of the Year Award – Winner

Drum roll please….. and the winner is Tony & Marina Upton! Keep an eye out in the post for your prize.                 AP Bear enjoying some music with a Cobra in India with Tony & Marina Upton. We look forward to seeing what adventures AP Bear will get ... Read more

AP Bear Photo of the Year Award

AP Bear again saw some fascinating sights in 2016. From India to Antarctica and all around Australia he certainly has racked up some miles. If you are unfamiliar with AP Bear, he has become our travel mascot in recent years. Several years back, partner Steve Lowry and his wife Sally visited the US and sitting … Read more

Putting the human into investing

What’s the ideal investment strategy? Is now a good time to be in shares? How do you get a decent return on cash investments? Should currency risk be hedged? Questions of this kind, often seen in the financial media, tend to confuse means with ends. The answer in every case is “it depends”.

What happens if you miss the best 25 days of returns on the Australian Share Market?

At Alman Partners True Wealth we have always advocated our clients to be diversified and patient investors. In the example below, this portfolio is invested into the top 300 Australian shares be size. If you stayed invested for the full time you received an 8% annualised return. If you missed the best 25 days your … Read more

MACKAY tops the list in Australia with over $49M in lost superannuation accounts

MACKAY tops the list in Australia with over $49M in lost superannuation accounts.
This reinforces what Alman Partners believes is…

Buy Blue Chips

Every night on the TV finance news, you’ll hear about the ups and downs of household name stocks, like the big four banks, Telstra, CSL, Wesfarmers, Woolworths, BHP Billiton and Rio Tinto. But the market is more than that handful of names.

How do you break a bad investment habit?

Bad investing habits are the norm, not the exception. They include panicking and bailing out at generational market lows, like what too many did in 2009. Conversely, the same people often buy aggressively into market bubbles, like the technology debacle at the turn of this century. Often these behaviours are the result of conditioned responses. … Read more

Making a great wine a great investment

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.

Warren Buffet makes $1million bet. On what you may ask?

Warren Buffett is the second richest man in the world because of his extraordinary performance as an investor. In contrast to his skill and good fortune, he has been quoted many times that he believes most institutions and mum and dad investors are better off investing in low-cost index funds. In fact, he has instructed … Read more

Simple can be harder than complex

“Simple can be harder than complex: You have to work hard to get your thinking clean to make it simple. But it’s worth it in the end because once you get there, you can move mountains.” Steve Jobs

Alman Partners meet with PM & Treasurer

                With an election year coming up, the media is rife with speculation around proposed changes to tax law and superannuation. The Federal Government is planning to announce their policy in the May Budget. Certainly superannuation is in the sights of both parties, and as you would know … Read more

Easy tools for personal budgeting

Budget! Ugh, it’s almost a swear word. After the holiday period, it’s pretty easy to hide the budget away in fear of what it’s telling you: it’s time to reign in those costs again.

The 5 Keys to Retirement Success

Almost weekly we have the pleasure of meeting with couples who are embarking on planning their retirement.

The secret to financial fitness revealed

It’s often said that the secret of success in any endeavour is “stickability,” your capacity for staying committed to a goal. But success also depends on having goals you can stick with. Managing that tension is what an advisor does.

4 Perspectives – Market Volatility

Don’t Be Short Sighted  The more often you update yourself on the market’s fluctuations, the more volatile and risky it will appear to you — even though short, sharp declines of 5% to 25% are common. The U.S. & Australian stocks market have, in the past few years, been extraordinarily placid by historical standards. Even … Read more

Group Life Insurance – Why it’s Really Cheaper

When it comes to life insurance, it’s not as straight forward as you might think. As with many things in life, you tend to get what you pay for. For some, Group Life insurance offers the benefit of providing some level of cover at a relatively cheap cost. But what are you forgoing for the … Read more

5 Common SMSF Mistakes

When it comes to setting up a Self-managed super fund (SMSF), there are some common mistakes that a lot of people seem to make. These points are too often excluded from the conversation and should be clearly considered before setting up an SMSF in the first place.

The Insurance Payoff

When it comes to insurance, it can sometimes be hard to see what you’re really paying for. It’s one of those costs that is easy to cut from the budget when times get tough, but before you make a decision to cancel your cover, take a moment to think of what the true cost impact … Read more

Is Technology the Investment Edge?

Digital innovation has democratised access to financial information to the point where anyone with a smartphone, a few apps and real-time news and data feeds can be like a pro trader. But who wants to do that? And do you need to?

The role of a professional financial adviser

What is the value of working with a financial adviser? One view is that advisers have unique insights into market direction that give their clients an advantage. But of the many roles a professional adviser should play, soothsayer is not one of them.

My Investments Rule

I admit it, I am hooked on My Kitchen Rules this season. Sad I know!

Top 10 Investment Guidelines

The media would have you believe that a successful investment experience comes from picking stocks, timing your entry and exit points, making accurate predictions and outguessing the market. Is there a better way?

What’s Stopping You?

Nick Bennett & Rowena Hardy, Partners of Minds Aligned have provided this thought-provoking article. Nick and Rowena are not only long term valued clients of Alman Partners but great friends also. Look up their business at http://www.mindsaligned.com.au/

The Market is a ‘drunken psycho’: Warren Buffet Reveals his investing secrets

The world’s third richest man has revealed how he made his billions — and it’s not as complicated as you’d think.

Making the Complex Simple

The one concept that will help you to feel better about your wealth.
“If you can’t explain it to a six year old, you don’t understand it yourself.”
Albert Einstein

Lessons from a Nobel Laureate

Recently Scott Alman, Paul Shepherd and I took the opportunity to travel to the USA, to attend, amongst other meetings, a global investment symposium in Austin, Texas. In attendance were a number of the leading independent advisory firms from around the world.

The Astonishing Adventures of A.P. Bear

Recently I stayed at a lovely hotel with Sally. On our bed was a cute little teddy bear. The bear had a note attached which read. “Hi my name is George, please take me on your trip, take some photos of us all having fun, and post them on our face book page to highlight all the wonderful places we have visited”.

Five Benefits of Asset Class Investing

As financial advisers, we take on many roles in our clients’ lives, such as; Strategic Planners, Coaches, Trusted Advisers, Counsellors and of course Investment Advisers. In this article, I wanted to highlight the benefits of the outstanding academic investment philosophy we deliver to you.

World-Class Investment Solutions

Alman Partners vision is to be the firm our community turns to for world class investment solutions

Children Inheritance – how much should you leave them?

When considering one’s legacy, deciding how much to leave your children, grandchildren and other beneficiaries is one of the most important questions families face particularly the wealthy. The range of possible answers is ‘everything’ to ‘nothing’.

The Oracle of Omaha

When the media raises the subject of beating the market through astute stock picking, the name ‘Warren Buffett’ is usually cited. But what does this legendary investor actually say about the smart way to invest?

A Good Start in Life

Over the years we have attended many local schools and presented financial seminars to Year 11 students on the fundamentals of managing money. What really amazed me was the reaction we would receive when handing out the following projection showing them the benefits if they were to start saving earlier in life. Silence would usually descend on the classroom and amazement as to how someone could put less away over a shorter time period and have more money in the future, as opposed to someone who has saved more over a longer term.

Help Your Children get a good Financial start in life without having to empty your pocket

Financial literacy is one area that is not widely taught at school but is definitely required for everyday living.

How to Retire on $60k a year

For this week’s blog we have attached a Cover Story Article from Money Magazine written by Frances Easton as the contributing expert.

Hope you enjoy the case study.

Letting go of what you cannot Control

In many areas of life, intense activity and constant monitoring of results represent the path to success. In investment, that approach gets turned on its head.

What’s it all for?

Why are you working, saving and investing?

The Espresso Portfolio

When you haven’t got much capital of your own, the road to financial security can seem long, hard and complex. But the truth is that wealth building is relatively simple. All it takes is time and the price of a cup of coffee.

The Top 10 Money Excuses

People who make bad money decisions can often rationalise them. Here are 10 common excuses.

Behavioural Biases

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

All humans have inbuilt biases when making decisions – they have evolved over time as part of our survival instincts. Unfortunately, many of these behavioural biases are completely opposed to the systematic approach one should adopt for the ongoing management of investments.

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

What goes up, does not always come down!

Australian All Ords reach a record high! S&P 500: an all-time record high! FTSE hits pandemic High! By most indications, the Australian and share markets around the world have done well. The run-up in the markets in Australia and globally has had mixed responses from investors. They are cautiously happy. Most are left with a … Read more

The Pre-Christmas Splurge

Another year has gone by, and Christmas will soon be here again. Time off work, eating and drinking with friends and loved ones, and of course, gifts to give and receive. What is not to look forward to about this merry time of year? However, nearly half of all Australians are not excited about Christmas … Read more

Emotional Investing = Gambling

As humans, our brains are wired to make emotive/instinctive or logical/rational decisions. In order to make us more efficient, the brain reduces the amount of information it processes to make a decision – thereby reverting to emotive/instinctive decisions. However, our instincts were never really designed for dealing with investment markets. Letting emotions dictate your investment … Read more

Mortgage Interest Rate Servicing Buffers

You may have heard in the news recently that it will now be tougher to borrow from the bank to purchase a home. Banking regulator APRA has announced mortgage minimum interest rate buffers will increase from 2.5% to 3%. So, what does that mean? When you apply for a home loan the bank assesses how … Read more

Making Sense of Inflation Headlines

Inflation came storming back into the headlines recently with news that Australian consumer prices had risen at their fastest annual pace in almost 13 years. What are we to make of this?

Life Is A Journey

Have you heard the adage that ‘Life is a Journey?’ Quality personal financial advice is your Google Maps for your Life Journey.

Are you receiving legitimate Financial Advice?

It’s important to know whether you are receiving legitimate financial advice, or if you’ve just had a conversation with somebody about finances.

Are hidden behavioural biases sabotaging your wealth?

1 in 3 Australians are now reporting financial stress. Discover how your cognitive biases may be influencing your financial decisions.

Your Professional Circle

When it comes to your life and finances, it’s important to surround yourself with people who can help you. Your Accountant assists you with personal and business taxation lodgements and your Solicitor will diligently assist you when going through a trying divorce or for legal documentation. But is your circle of professionals complete at this? … Read more

It’s a ‘Super’ Change

Effective from 1 July 2021, a host of superannuation changes kicked off, significant among them was the increase in the minimum rate of SGC.

Asset Class Investing is like Car Shopping

What is your primary consideration when shopping for a car? If I could indulge in my fantasy world where money was no object…

It’s Not Just About Saving Tax

With the End of Financial Year fast approaching the most common question we are asked is “How can I save tax?”   Firstly a quick caveat, whilst we are licenced to provide ‘Tax Financial Advice’ we are not tax agents. One thing we have learnt over the years is, if you spend $3 to save … Read more

Value Stocks’ Comeback and Why Bitcoin Isn’t a Bubble

Money.com recently spoke to Dimensional Fund Advisor (DFA) Co-Founder David Booth, to discuss a range of topics around today’s markets. At the end of the day, having a Financial Adviser to guide you through these, at times, controversial topics is invaluable. Enjoy the article. https://money.com/dfa-david-booth-value-stocks-bitcoin/   Alman Partners Pty Ltd, Australian Financial Services Licence No: … Read more

The goalposts move once more

How the Budget and upcoming changes may affect you, your family, and our clients.   Don’t worry, I am not going to regurgitate a breakdown of the Federal Budget, you can all Google that from a thousand sources. What I want to highlight is the value of proactive ongoing advice in the face of consistent … Read more

Do You Have Your Super Sussed?

Did you know that more than 80 percent of superannuation investors have never changed their investment option away from the ‘default’ (in order words, an option that is not necessarily customised for you and your specific circumstances)?

COVID-19: It has been an Emotional Rollercoaster

It is hard to believe that the first COVID-19 case in Australia was over 14 months ago, on 25th January 2020. Since then, there have been 29,240 confirmed cases in Australia, compared with over 131,000,000 worldwide. The ups and downs we have all had to endure, some obviously more than others, has taken both a ... Read more

Brisbane Expansion Marks Milestone

  Source: Mackay’s Daily Mercury, Wednesday 24th March 2021

$50 million! Can you imagine?

For many of us, the thought of having 8 digits in the bank account is a serious fantasy. But we know that for one lucky Mackay resident this is now his reality. This is no doubt a life-changing win but deciding what to do with any large sum of money is often a scary concept, ... Read more

Greenlights & Redlights

A great relationship, a newborn son, and a successful career as an actor. In 2008, Matthew McConaughey was feeling pretty good about his life in California. Then an unexpected family health emergency took him back to his home state of Texas.   Of all places, McConaughey and his young family ended up renting a home … Read more

The Rule of 72

Double your money with this universal truth: the rule of 72. Would you like to double your money? Type this into Google and you will get no shortage of suggestions on how to do that. Some will urge you to gamble, others to borrow as much capital as you can, chase crypto, commodities, specky shares. ... Read more

Amp up your goal setting with the Triple-A effect

It’s a new year. This year is going to be different. You have set your goals. Made sure that they are SMART goals and even written them down. Then life happens. Ever wondered why is it that some people seem to achieve whatever they set their mind to, while others start and never quite get ... Read more

GameStop Saga Will Have Hangover

GameStop. Hedge Funds. Wall Street Bets. Robinhood. What is going on? You can read about the story pretty much anywhere at the moment, so we’ll briefly run through it and then take a look at a few other areas we think are important and unlikely to see as much attention. A group of people on ... Read more

Welcome to a New Year

A New Year is often a time of reflection on ones’ goals and direction for the year ahead. Many of us ask ourselves what; what do I want to achieve this year, what do I want to do with my time and hard-earned money? But have you stopped to ask yourself why? Below is a ... Read more

The greatest risk to long-term investors today

Lurking just under the surface of the investment ocean is a risk waiting to devour desperate retirees. The danger – chasing yield. Yield simply means income generated on an investment over a particular period. It includes the interest earned or dividends received from holding various securities. Considering our current economic situation generating income is tough. ... Read more

True Value, True Wealth

To receive financial advice costs money, so it is no wonder the question arises - ‘Why do I need advice?’ or ‘We can invest ourselves via an app.’ A common misconception is that a financial adviser’s role is to generate returns on your investment, and whilst this is of course a key element to help ... Read more

2020 Federal Budget

The 2020 Federal Budget is all about jobs and spending to make more jobs.

Market Returns Through a Century of Recessions

What does a century of economic cycles teach investors about investing? Our interactive exhibit examines how stocks have behaved during US economic downturns. Markets around the world have often rewarded investors even when economic activity has slowed. This is an important lesson on the forward-looking nature of markets, highlighting how current market prices reflect market ... Read more

IOOF to purchase MLC

It was with great interest that I read the Australian Financial Review August 30th headline, “IOOF to buy NAB’s MLC Wealth.” Many moons ago when I started my career in financial services the three largest providers were AMP, National Mutual and MLC in that order. Sometime in the late 90’s our big four Aussie banks ... Read more

Put your Financial Health First with a Second Opinion

With most things in our life, we get a second opinion of some form or another. From purchasing a new car, changing jobs, getting a doctor’s opinion, or entering into a new relationship, we want to make sure it is right for us before we make a serious decision that impacts our future. In these ... Read more

It’s the Economy Silly

Well in Bill Clinton’s 1992 campaign he said, ‘it’s the economy stupid’. While playing golf I tend to get asked the following question often, ‘what do you think the share market will do this year?’ Lately, I am getting the following, ‘if the economy is doing so poorly, people are losing their jobs and businesses ... Read more

What’s Your Truth?

The Alman Partners Team have been reading a book called “Living and Leading with Heart, Above the Line” written by Stephen and Mara Klemich. We highly recommend this book if you are looking for a good read and a reflection on your own behaviours and why we act the way we do. The book talks ... Read more

That End of the Financial Year Summary

Like every other year, it is here - the end of one financial year and the start of another. It has been an unusual 12 months for the world, and certainly the markets. As they do, markets reacted to all developments – good and bad – with a positive or a negative movement. We hope ... Read more

Vlog: Lifetime Wealth Map

Join Paul Shepherd as he discusses what a Lifetime Wealth Map is and why it is important to have one.

Retiring? Be Confident in Your Income Source

When it comes to planning for retirement, a common question I receive is “what’s a safe way to invest my money?” Suddenly, years of planning to grow your assets as large as possible are now flipped, and protecting those assets becomes priority number 1. In reality, what many people want is not an asset that ... Read more

Don’t be a DIY failure

Many people have taken advantage of the Coronavirus lockdown to learn new skills – from baking bread to knitting, to learning a language. But trading securities, like rewiring the house, is not something you should do without professional advice.

If you risk nothing, then you risk everything

Risk. It’s a word financial advisers tend to use a lot. Most of the time what we mean is uncertainty. We know investors don’t like uncertain returns as uncertain returns are construed as “risky”. If there is uncertainty, we would at least want the prospect of achieving a more favourable outcome, or why would we ... Read more

Relying on the Big 4 Bank Shares for your income stream is risky business

As a financial adviser, I generally get into some interesting conversations at BBQs and dinner parties about people’s investment thoughts. One strategy comes up often, particularly with self-directed investors and it generally goes like this; “I am quite risk-averse, so I only invest in blue-chip shares like the banks, they pay regular dividends. What do ... Read more

How secure is your Cyber?

COVID-19 has us spending more time at home either working or binging Netflix. This has really put the spotlight on the level of cyber security we practice at home. Alman Partners take cyber security seriously. We have been extremely fortunate to work with experts and like-minded firms who have educated us in this area. The ... Read more

Invest in your Happiness

Investment bliss and happiness can be achieved. The investment experience does not have to be stress and anxiety-inducing - as long as you are armed with the understanding and logic to provide you proper perspective, context and expectations. The challenge of being disciplined in volatile markets is no easy footing by any means, but instead ... Read more

To Salary Sacrifice or not to Salary Sacrifice?

As you watch the news and hear the continual developments around COVID-19 you would be forgiven for thinking maybe it is time to consider stopping your salary sacrificing to superannuation and recommence when markets are less volatile. This can be a natural thought in times of volatility and rightly so seeing superannuation tends to be ... Read more

Talk to a CFP Professional

Need to talk to a Financial Planner? Listen to the Financial Planning Association of Australia’s (FPA) latest radio advert: .

Dealing in Quotes!

“Doubt is not a pleasant condition, but certainty is an absurd one.” - Voltaire I think the quote above from Voltaire is really apt for the current times. Given the heightened volatility in the market (year to date), one may be forgiven to think that markets have never been this volatile. This, as we all ... Read more

Is it time for the Barefoot Investor to put on some shoes?

In 2018 the Royal Commission heard that Scott Pape, the “Barefoot Investor,” had contributed to over $2.5 billion flowing into Industry Super Fund Hostplus via his unsolicited recommendations made in his books and online, shouting out the benefits of this fund. Considering the following article which we are sharing below, and others recently published in … Read more

How your Portfolio can beat the Coronavirus

Well, here we are again with yet another event that will impact markets and therefore your portfolios. Before I put these things into perspective from a financial point of view, I do want to acknowledge that events like these are terrible for the world at large. The uncertainty, fear and noise can unsettle us all, and there will be impacts to markets as we are seeing.

Warren Buffett advocates index funds for most investors

Why would one of the richest men in the world make this statement time and time again? Because over the long term most fund managers tend to be pretty poor at trying to pick stocks and subsequently underperform markets. Plus, they are expensive. He is so confident on this fact that in 2007 he bet … Read more

To SMSF or not to SMSF?

Are you thinking of starting a Self-Managed Super Fund (SMSF), or maybe you already have one? Wouldn’t it be fantastic to be in charge of your own superannuation money… You get to make the investment decisions, you’re held responsible for complying with super and tax laws, and you pay for this privilege in your own time and money (and potentially a lot of it!). Starting to sound a little more complex? Well, that’s because it is.

Finding lost and unclaimed superannuation

Are you owed your dues? If so – then you’re in good company! There are currently millions of Australians who are owed their share of the $20.8 billion in lost super monies (as at 30 June 2019). In fact, in our Mackay postcode alone, there is over $50 million worth of lost and unclaimed superannuation ... Read more

Have your super cake and eat it too

Can you boost your retirement savings and reduce your tax bill, at the same time? One easily overlooked financial planning strategy that is accessible from the current 2020 financial year is the superannuation five-year catch-up concessional contributions (“CC’s”) provision. For clarity, superannuation concessional contributions have a flat tax rate of 15% and individuals can contribute ... Read more

Super-duper ideas

It feels like the new year and new decade just started, and somehow we are already in February. 2020 is well underway! This year we will focus on releasing a series of blogs on different topics. The first of these series focuses on Superannuation. Super is such a critical aspect of all our retirement planning ... Read more

Why being a part of GAIA sets us apart from everyone else

Alman Partners are proud to be a founding member of the Global Association of Independent Advisors.

Lost super found – cash in your bank

Have you noticed more money in your bank account? You may not be alone, with around 10,000 Australians receiving cash back from the Australian Taxation Office (ATO) in recent weeks.

Timing isn’t everything

Over the course of a year, it’s not unusual for the stock market to be a topic of conversation at barbeques or other social gatherings. A neighbour or relative might ask about which investments are good at the moment. The lure of getting in at the right time or avoiding the next downturn may tempt even disciplined, long-term investors. The reality of successfully timing markets, however, isn’t as straightforward as it sounds.

It pays to know where your financial advice comes from

In the aftermath of the storm that hit the financial planning industry following Commissioner Haynes report on the financial services royal commission, which saw several big institutions exit the financial planning business, the one question that clients are (and should always have been) asking is – who is my Financial Adviser working for?

The human in financial advice

I do like a good book, and having just read a particularly interesting piece from philosopher Dr Simon Longstaff called Everyday Ethics: The daily decisions you make & how they shape the world, I felt moved to share my favourite quote from the book.

Three steps to creating your ultimate financial plan (part 3)

If you fail to plan you plan to fail. This is where our professional expertise comes in to play. Alman Partners will build and execute a strategic financial plan to help you achieve your personal financial roadmap.

Three steps to creating your ultimate financial plan (part 2)

This experience involves a Discovery meeting, and a Concept meeting, resulting in a tailor-made financial plan. Let’s take a look at what happens in our concept meeting.

How to get off the financial treadmill

Do you often feel like you’re on a treadmill when it comes to getting paid each week/month and having to meet all of the routine family expenses, loan repayments, bills etc? Like you’re running on the spot, and going nowhere? In our Mackay and Bowen Basin region, this is often amplified, because there are often very healthy incomes that make us feel like we should be getting ahead!

Three steps to creating your ultimate financial plan (part 3)

It has been said often that if you fail to plan, you plan to fail. Most successful businesses have a Business Plan, and most financially successful people have a Personal Financial Plan.

Three steps to creating your ultimate financial plan (part 1)

This experience involves a Discovery meeting and a Concept Meeting, resulting in a tailor-made financial plan. Let’s take a look at the Discovery meeting, or “Step 1.”

How to use financial planning strategies to reduce your taxes

Did you know that when your superannuation/pension monies are passed down to your adult children upon death, that the estate can pay up to 17% in taxes on these monies?

Financial Planning – Giving Peace of Mind

Human nature calls for us to worry – this instinct goes way back to the days in which we had to protect ourselves against predators. 

It pays to plan and catch-up (your super)

Superannuation has always been a tax-friendly environment and, as such, over the years legislations have systematically reduced the amount one can contribute to super.

Time is Precious

Money is a commodity that we can’t live without. As a result, we tend to focus a lot of our time on getting, and then keeping, our money. This only make sense. We work hard and don’t want to lose what we have earned.

The Uncommon Average: Long-Term Context on Annual Returns

Historically, the Australian stock market has delivered an average annual return of about 13%. However, most years have looked different than the average. The Australian stock market has delivered an average annual return of around 13% since 1980. But short-term results may vary, and in any given period stock returns can be positive, negative, or … Read more

Happy New Financial Year

Well here we are again, with another financial year at an end! The magical line in the sand that says pens down and step away, all you could have done is done and now it’s time to check the scoreboard.

Fiduciary excellence is a journey, not a destination!

“Clients must expect that they are the client and the focus; not their funds.” This has always been the case at Alman Partners, but we recognise the difficulty for our community in truly differentiating between an adviser that meets the minimum legislative requirements, and an investment fiduciary. We also recognise that our clients don’t always … Read more

Nothing says Forever like a Pronup!

How to manage your money as a couple Ever heard of a Pronup? Well, it certainly is not to be confused with a Prenup, which in legal terms is a legally binding agreement about what will happen to assets you bring to a relationship – if things don’t work out.  On the other hand, a … Read more

Legislative change: Checked your super lately?

The Treasury Laws Amendment (Protecting Your Superannuation Package) Act 2019, received assent on 14th March 2019 and the legislative changes contained therein will take effect from 1st July 2019. Here are some of the key changes that you may be affected by:

Downsize your home & Upsize your super

It’s the great Australian dream to own your own home. Whilst in our younger years, when it comes to buying (or upsizing) our homes, it can be seductive to “keep up with the Joneses”. Later in life, it can be just as alluring to downsize them. Lowered costs of electricity, insurances. Less maintenance. More time … Read more

Federal Budget 2019

The 2019 Federal Budget release was revealed last night with a focus on bringing Australia out of the red and into the black for the first time in 12 years. There were very few changes when it came to superannuation and the main focus of the budget was to accelerate the program for tax cuts.

The Paradox of Choice

Have you ever found yourself hesitating to make a decision?

Thinking of Borrowing?

If you ever want to access a loan in the future, you must read this blog.

Yoga: Teaching you how to Invest

True Wealth is not just having money in the bank, it’s an inner condition of wellbeing. It’s about your financial health, your personal growth, your life and love, your passions. Your health is also your wealth.

The Seven Faces of Valued Advice

What is the value of great advice? For advisers who have perceived their value to clients as the ability to deliver positive returns year after year or be accurate forecasters of markets, they will be finding it hard to enunciate their value proposition in this complex age we live in.

The Hayne Royal Commission Report into Financial Services

On Monday Commissioner Hayne made public his findings and recommendations on the Financial Services industry.  His report appears measured and pragmatic but will take time to implement.  The Federal Government has said it will act on 75 of 76 recommendations.  We have identified a few pertinent matters to share with you.

Wisdom in a Cookie

A number of years ago our team and their partners celebrated Lunar New Year together with a huge Chinese banquet. Of course, no Chinese banquet would be complete without the Wisdom of the Fortune Cookie. Have a read of the one Frances received…

Vlog: Early Bird gets the Worm – Compound Interest

Welcome to Alman Partners’ very first Vlog! In the first in our Vlog series, Paul Shepherd discusses Compound Interest.  

Interesting Vs Actionable

“Prediction is very difficult, especially if it’s about the future.” Niels Bohr, Nobel laureate in Physics

The universal reward of time and patience

In Leo Tolstoy’s great novel ‘War and Peace,’ a Russian general charged with defeating Napoleon and expelling the French from Russian soil argued against rushing into battle, saying the strongest of all warriors were “time and patience.”

Superannuation – Be Engaged

Superannuation – all workers have it. But why is it important to be engaged with your super?

Royal Commission – Asleep at the Wheel?

With the Banking Royal Commission in full swing, the spotlight is squarely on financial services regulators. Future Fund chairman and former federal treasurer, Peter Costello, stated it plainly: “The next step of the royal commission is to actually find out why the regulatory agencies weren’t awake and at the wheel.1“

The Invisible Money Generation

How can we teach our children that money doesn’t grow on trees, when the trees have become digital and invisible? For most of us, our first memories of money are of collecting small change, and witnessing our parents using cash to make everyday purchases. This experience, however, is no longer common – the game has … Read more

Super Insured?

Insurance inside super, can you count on it? We hear the statement “I have that insurance inside my super” often. But do you really know what you are covered for?

Looking for some loose change?

Happy Financial Year to All. Now that we are into the 2018/19 financial year, this means that the recent approval from the Senate of the seven-year personal Income Tax Plan comes into effect, and you may find yourself with some loose change in your pocket! The first step of this plan is to provide small … Read more

Let’s talk numbers

I get it, numbers – not everyone’s cup of tea, especially when there are too many of them being thrown about. But sometimes numbers help – numbers are facts, they are not open to misinterpretation – the context in which they are used of course can be (misinterpreted) but not the numbers themselves. As Pythagoras, … Read more

Banks should exit the Financial Planning business

What an extraordinary week at the Banking Royal Commission. AMP’s reputation has been shredded when the head of advice Jack Regan admitted that the financial services giant blatantly lied to ASIC 20 times and that they continued to charge advice fees for orphaned clients. Then it was CBA’s turn when the commissioner accused them of … Read more

Rainy Day Investing

Australia, earth’s driest continent, experienced national rainfall in 2017 that was 8% above the historical average. The year was the 30th wettest on record, according to the Bureau of Meteorology.1 But the story is more complicated than that.

Punching Well Above Our Weight

Imagine a mid-size Mackay based financial advice firm operating on the global stage. For clients of Alman Partners, this is a reality. As members of the Global Association of Independent Advisers (GAIA), our firm is at the forefront of Global Best Practice.

7 Keys To Help You Navigate Volatile Markets

Everyone has an opinion about what caused this latest bout of volatility in markets, coming after a long period of relative calm. But the key point for long-term investors is that markets are volatile by nature. Stocks go up and down as information and expectations change. Sometimes, this happens very gradually. Other times it happens … Read more

Should You Buy Bitcoin? Ask a Different Question First

I received these two messages within three minutes of each other recently:

Reading the Tea Leaves

Investors at year-end are inclined to reflect on the 12 months gone and muse on what the coming year might bring. Aware of this appetite for speculation, the media tends to feed it with forecasts. These articles can be fun to read, but are even more so a year later.

AP Bear Photo of the Year Award

With an overwhelming response from our clients this year, the AP Bear Photo of the Year Award goes to: Graham & Bev Hampton – Congratulations! Keep an eye out on the post for your prize. AP Bear catching up with a cousin in Canada. Visit our Facebook page to see more of AP Bear’s adventures. We look ... Read more

Chasing Alpha: Fools Gold!

As an investor you are constantly inundated with information: Where is the market heading, top 5 buys, top 5 sells etc. This clamour will increase in pitch as we approach the end of the year with predictions for which way the market is headed next year, it will roll in to it elections, status of … Read more

FAANG Investing

The financial media is drawn to catchphrases –acronyms and buzzwords that can be sold as the new thing. ‘FAANG’ (Facebook, Apple, Amazon, Netflix and Google) is the latest of these. But does this constitute an investment strategy?

AP Bear Photo of the Year Awards

The travelling adventures of A.P. Bear! A number of years ago we introduced this cute little fellow to our Alman Partners Family. We encourage our clients when they are travelling to collect an ‘A.P. Bear’ from our office and take him on your trips, take photos, and share them with us.

Fraud & Scams

Technology, it makes our lives simpler with ever-advancing, smarter access to our bank accounts and social media. Our lives are online, and the fraudsters know it. They are keeping up with technology and it’s up to organisations and ourselves to keep one step ahead of them to avoid falling victim.