Your Money: Blog

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Education is the key to understanding anything in life. We learn to crawl before we walk, and our ABCs before we read. Financial planning and investing are no different. A knowledgeable financial adviser can help guide you through this journey, but continual education remains the key to becoming a happy and successful investor. Following, you will find an extensive selection of Your Money Blog 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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A Trump Slump: Staying Disciplined is Your Greatest Asset

Dr Steve Garth reviews the recent US market slowdown and reiterates the need to stay disciplined.

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5 Common Financial Mistakes and How to Avoid Them

Join Ashleigh Thompson as she counts down the top 5 financial mistakes she sees as a Financial Adviser.

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Thriving Financially: Steps to Achieve True Wealth

Thriving Financially: Steps to Achieve True Wealth

Join Katrina as she looks into some actions you can take to achieve your True Wealth.

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Piggy Bank & Growth Chart – Expert financial advice to boost savings and grow wealth efficiently

Rate Expectations

Interest rate cuts around the world have sparked speculation about when the RBA will follow suit, along with questions of what implications it holds for investor portfolios.

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The Election Question - Ballot Voting – Understanding how financial advice can shape election outcomes and economic policies

The Election Question

Join Mehak as she looks at the relationship between elections and market movement.

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The Power of New Start & Planning for the New Year - 2025 Financial Vision – Optimistic financial advice for wealth planning and investments in 2025

The Power of New Start & Planning for the New Year

“The beginning is the most important part of the work.” Plato. Join Veronika as she looks at resetting for a new year.

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Fitness & Financial Parallels

There are many parallels between physical fitness and financial fitness. Jason takes a look at what is required for success in both.

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Trump and APDirect Invest – Financial advice insights on investment strategies influenced by political events

How a Trump Presidency May Impact Australia

Dr Steve Garth looks into the potential impacts to Australia following the Trump election.

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Helping our kids develop smart financial habits - Parents teaching their child about savings by putting coins in a piggy bank

Helping our kids develop smart financial habits

Join Ashleigh T. as she looks into helping children establish solid financial habits early on in life.

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You Can Do Anything But Not Everything - A mother working on finances while holding her baby, illustrating financial advice for parents balancing work and family expenses

You Can Do Anything But Not Everything

We live in an age that glorifies multitasking, but it doesn’t necessarily make us more productive. Read on as Veronika looks further into this trend.

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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 - A golden piggy bank with coins, representing wealth management and financial advice for smart savings

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 - A couple struggling with bills, illustrating the need for expert financial advice to manage personal finances

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 - A piggy bank and stacked coins with an upward arrow

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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Pink piggy bank with dumbbell for fitness and financial goals – Financial advice on aligning fitness goals with financial planning for a stable future.

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: 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 - Bitcoin in wallet at Alman Partners True Wealth

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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Australian banknotes fanned out – Financial advice on managing and growing wealth with smart budgeting and investment strategies.

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 text on wooden blocks – Financial advice on key budget changes affecting individuals and businesses

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 - Until Inflation Steals the Crown - Piggy Bank with Crown

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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Pink piggy bank with falling coins – Financial advice for saving strategies and wealth preservation

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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Hand holding percentage blocks with arrows – Financial advice on interest rate expectations and market trends

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

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” - Joyful senior man riding a bike, enjoying a stress-free retirement with expert financial adviser planning

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

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 - ABC Block

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

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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Financial advice for securing a family's financial future through smart planning and savings

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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Recession newspaper clippings highlighting the need for a skilled financial adviser to navigate economic downturns.

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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Elderly couple sitting on a dock enjoying sunset – financial advice for retirement security and happiness

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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Piggy bank trapped in a net – Representing financial advice on avoiding financial pitfalls

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

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

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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Happy senior couple reviewing retirement plans on a laptop with guidance from a trusted financial adviser.

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

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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Piggy bank under an umbrella with coins – financial advice on financial security and protection

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 - Retired couple hugging with a successful financial goal

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 - Reserve Bank and Financial Policy – The Reserve Bank building with Australian highlighting financial advice on economic policy

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 - A blue piggy bank labelled "My Super," emphasising financial advice for retirement savings

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? - A piggy bank balancing on a Jenga tower, representing financial advice for risk management

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) - Wooden blocks spelling "TAX" with an up and down arrow, illustrating financial advice on tax efficiency

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 - A worried couple reviewing documents, highlighting financial advice on budgeting and debt relief

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

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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Growing savings in glass jars – Financial advice on saving money and building long-term wealth

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?

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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Coal painted gold with a brush – Financial advice on identifying genuine investment opportunities

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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Piggy bank trapped in a net – Representing financial advice on avoiding financial pitfalls

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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Wooden house on a balance with percentage blocks – Symbolising mortgage rates and financial advice for home buyers

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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Magnifying glass focusing on an Australian banknote – Financial advice on scrutinising investments and making informed financial decisions.

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 Financial Markets down - Alman Partners True Wealth Mackay & Brisbane

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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Bear Markets are Common & offer Higher Expected Returns at Alman Partners True Wealth 

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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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 - Australian Cash & Piggy Bank at Alman Partners True Wealth 

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? Australian Flag Chart at Alman Partners True Wealth 

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 at Alman Partners True Wealth 

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? Four Cows in the Fields at Alman Partners True Wealth 

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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People’s News: Gifting Can Be Taxing!

Join Niyati as she looks into the impacts you need to consider when gifting assets.

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People’s News: Tuning out the Noise

Niyati talks about how to tune out the media noise and keep focused on your goals.

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Kid Cash: Finfluence them

Finfluencers have the younger generation listening, but are their recommendations accurate? Learn more in Teneale’s latest article.

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Meme Investing? Try Human Ingenuity Instead - Alman Partners | True Wealth | Financial Planning Service | Superannuation Advisers | Investment Advice Mackay & Brisbane

Meme Investing? Try Human Ingenuity Instead

We’ve all been conditioned to see meme investors and Wall Street in opposition, but it seems to me that they have a lot in common. Both believe in picking stocks and think they can beat the market. In my mind, the important distinction is that Wall Street stands to make a lot of money off meme investors, simply from trading costs.

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People’s News: War and Peace (of Mind)!

Join Niyati as she discusses Negativity Bias – how the human brain is hardwired to seek out bad news,

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People’s News: Demystifying Investment Myths

Does a new high in the stock market mean that there will be an imminent crash?

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Family Loans

Have you considered gifting your children assets? Steve discusses one important item that is often overlooked and how you can protect your gift.

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Rising Interest Rates in the US: Implications for Australian investors

After much anticipation and media speculation, on March the 16th the US Federal Reserve raised its Federal Funds target interest rate from a range of 0-0.25% to the range of 0.25-0.5%. Dr Steve Garth discusses how this will affect markets.

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People’s News: What’s that about? – Demystifying Investing

Join Niyati as she discusses the first in a series of Investment Myths – Making Money is about Market Timing.

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Kid with Money

Improving the Younger Generations’ Financial Future

When individuals are financially capable, they make financial decisions and engage in behaviours that are in their own best interests, and that helps them achieve a financially secure future. Learn more in Katrina’s latest article.

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People’s News: A different type of counterattack!

Join Niyati as she discusses recent sanctions against Russia.

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People’s News: The Price of Conflict!

Niyati discusses the worldwide market plunge & ongoing financial impact following Russia’s invasion of Ukraine.

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Handing over money

It really is SUPER Legislation

Join Kelsey as she discusses the recent superannuation legislation changes.

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People’s News: What You Don’t Hear

Join Niyati as she discusses how ASIC is investigating insider trading by super fund execs.

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Kid Cash: Teach kids delayed gratification

Teneale provides helpful tips for parents wishing to teach their children about money. In this segment of Kid Cash Teneale discusses delayed gratification.

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People’s News: Investor Biases – Pattern Seeking

Join Niyati as she discusses Pattern Seeking in investing.

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Planning a Future

On Valentine’s Day, most people focus on flowers, champagne, and chocolates, but how many people consider their financial future together? Caitlyn discusses a few important considerations.

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People’s News: The RBA update, Inflation & Interest Rates

Join Niyati as she covers the latest cash rate update from the RBA, interest rates and what you should truly focus on.

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A Little Bit(coin) in your Portfolio

Bitcoin & crypto in general have been in the news a lot, due to the recent large movements (up and down) in its price. Discover more in Niyati’s latest article.

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People’s News: The Inflation Problem

Niyati discusses current inflation levels and how they can affect your portfolio.

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Crystal Ball

Tomorrow’s News, Tomorrow’s Markets

With 2021 fading into the distance, economists and other market forecasters are peering into the crystal ball to project what might happen in 2022.

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People’s News: A Little Bit(coin) in your Portfolio

Discover more about Bitcoin & Cryptocurrency in Niyati’s latest article.

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People’s News: Superannuation 101 (Part 1)

Learn about the different types of superannuation contributions & more in Niyati’s series Superannuation 101.

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People’s News: 2022 New Year and (Same) New Story

Niyati discusses a new year in finances and managing emotions when it comes to markets.

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A motivational board with "365 New Days, 365 New Chances," representing fresh financial planning and advice opportunities

Convert your NY Resolutions

I read a funny poem at the end of 2020 with a theme of “forgetting that the year ever happened” and that we should just ‘start 2021 early.’

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People’s News: Hindsight is 20/20

Discover more about Hindsight Bias in Niyati’s latest article on financial predictions.

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People’s News: The Jolly (Spending) Season

Join Niyati as she discusses the silly season of spending and tips to help you with your budget.

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People’s News: Superannuation 101 (Part 6)

Learn about the different types of superannuation contributions & more in Niyati’s series Superannuation 101.

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Balloons in the sky – Financial freedom and advice for a worry-free future

What goes up, does not always come down!

Australian All Ords reach a record high! S&P 500: an

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People’s News: Superannuation 101 (Part 5)

Learn about the different types of superannuation contributions & more in Niyati’s series Superannuation 101.

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People’s News: Superannuation 101 (Part 4)

Discover more about Non-Concessional Superannuation Contributions.

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Christmas Splurge

The Pre-Christmas Splurge

Another year has gone by, and Christmas will soon be

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People’s News: Superannuation 101 (Part 3)

Learn more about Superannuation Guarantee Contributions (SGC).

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People’s News: And a Happy Diwali to You

Niyati discusses some Financial Planning Lessons to be learnt from Diwali.

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Dice & Notes

Emotional Investing = Gambling

As humans, our brains are wired to make emotive/instinctive or

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People’s News: Superannuation 101 (Part 2)

Discover more about Concessional Superannuation Contributions.

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Mortgage Interest Rate Servicing Buffers

You may have heard in the news recently that it

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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?

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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.

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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.

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Financial Anxiety

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.

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Your Professional Circle

When it comes to your life and finances, it’s important

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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.

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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…

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It’s Not Just About Saving Tax

With the End of Financial Year fast approaching the most

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

Money.com recently spoke to Dimensional Fund Advisor (DFA) Co-Founder David

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The goalposts move once more

How the Budget and upcoming changes may affect you, your

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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)?

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Business Owners

Are you a Business Owner? Being a business owner involves

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Individual Advice

Alman Partners True Wealth knows that personal financial planning is

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Superannuation Advice Mackay & Brisbane

Thinking about Superannuation Advice in Mackay & Brisbane? Discover how

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Investment Advice Mackay - Australian banknotes and coins scattered on a table – Financial advice for managing Australian currency, budgeting, and growing personal wealth.

Investment Advice

Investment Advice Services Not sure how or where to invest

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COVID-19: It has been an Emotional Rollercoaster

It is hard to believe that the first COVID-19 case

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Brisbane Expansion Marks Milestone

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

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$50 million! Can you imagine?

For many of us, the thought of having 8 digits

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Saying No

Greenlights & Redlights

A great relationship, a newborn son, and a successful career

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The Rule of 72

Double your money with this universal truth: the rule of

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Amp up your goal setting with the Triple-A effect

It’s a new year. This year is going to be

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GameStop Saga Will Have Hangover

GameStop. Hedge Funds. Wall Street Bets. Robinhood. What is going

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Welcome to a New Year

A New Year is often a time of reflection on

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The greatest risk to long-term investors today

Lurking just under the surface of the investment ocean is

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True Value, True Wealth

To receive financial advice costs money, so it is no

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Market Returns Through a Century of Recessions

What does a century of economic cycles teach investors about

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IOOF to purchase MLC

It was with great interest that I read the Australian

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Put your Financial Health First with a Second Opinion

With most things in our life, we get a second

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It’s the Economy Silly

Well in Bill Clinton’s 1992 campaign he said, ‘it’s the

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Jar of coins with a small plant growing beside an open book – Financial advice on saving and investing for long-term financial growth.

What’s Your Truth?

The Alman Partners Team have been reading a book called

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Vlog: Lifetime Wealth Map

Join Paul Shepherd as he discusses what a Lifetime Wealth

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Retiring? Be Confident in Your Income Source

When it comes to planning for retirement, a common question

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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.

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If you risk nothing, then you risk everything

Risk. It’s a word financial advisers tend to use a

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BBQ-Discussions

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

As a financial adviser, I generally get into some interesting

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How secure is your Cyber?

COVID-19 has us spending more time at home either working

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Invest in your Happiness

Investment bliss and happiness can be achieved. The investment experience

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To Salary Sacrifice or not to Salary Sacrifice?

As you watch the news and hear the continual developments

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Talk to a CFP Professional

Need to talk to a Financial Planner? Listen to the

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Dealing in Quotes!

“Doubt is not a pleasant condition, but certainty is an

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

In 2018 the Royal Commission heard that Scott Pape, the

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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.

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Warren Buffett advocates index funds for most investors

Why would one of the richest men in the world

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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.

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Finding lost and unclaimed superannuation

Are you owed your dues? If so – then you’re

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Have your super cake and eat it too

Can you boost your retirement savings and reduce your tax

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Super-duper ideas

It feels like the new year and new decade just

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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.

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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.

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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.

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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?

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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.

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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.

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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!

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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.

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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.”

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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?

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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. 

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Investment Advice Mackay - Australian banknotes and coins scattered on a table – Financial advice for managing Australian currency, budgeting, and growing personal wealth.

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.

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Hourglass

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.

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The Uncommon Average: Long-Term Context on Annual Returns

Historically, the Australian stock market has delivered an average annual

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Fiduciary excellence is a journey, not a destination!

“Clients must expect that they are the client and the

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Nothing says Forever like a Pronup!

How to manage your money as a couple Ever heard

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Magnifying glass focusing on an Australian banknote – Financial advice on scrutinising investments and making informed financial decisions.

Legislative change: Checked your super lately?

The Treasury Laws Amendment (Protecting Your Superannuation Package) Act 2019,

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Downsize your home & Upsize your super

It’s the great Australian dream to own your own home.

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The Paradox of Choice

Have you ever found yourself hesitating to make a decision?

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Thinking of Borrowing?

If you ever want to access a loan in the

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Yoga: Teaching you how to Invest

True Wealth is not just having money in the bank,

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The Seven Faces of Valued Advice

What is the value of great advice? For advisers who

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The Hayne Royal Commission Report into Financial Services

On Monday Commissioner Hayne made public his findings and recommendations

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Wisdom in a Cookie

A number of years ago our team of financial adviser

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Vlog: Early Bird gets the Worm – Compound Interest

Welcome to Alman Partners‘ very first Vlog! In the first

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Interesting Vs Actionable

“Prediction is very difficult, especially if it’s about the future.”

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Hourglass

The universal reward of time and patience

In Leo Tolstoy’s great novel ‘War and Peace,’ a Russian

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Superannuation – Be Engaged

Superannuation – all workers have it. But why is it

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Road and Clouds

Royal Commission – Asleep at the Wheel?

With the Banking Royal Commission in full swing, the spotlight

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Invisible Money

The Invisible Money Generation

How can we teach our children that money doesn’t grow

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Super Insured?

Insurance inside super, can you count on it? We hear

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Looking for some loose change?

Happy Financial Year to All. Now that we are into

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Let’s talk numbers

I get it, numbers – not everyone’s cup of tea,

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Banks should exit the Financial Planning business

What an extraordinary week at the Banking Royal Commission. AMP’s

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Rainy Day Investing

Australia, earth’s driest continent, experienced national rainfall in 2017 that

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Punching Well Above Our Weight

Imagine a mid-size Mackay based financial advice firm operating on

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7 Keys To Help You Navigate Volatile Markets

Everyone has an opinion about what caused this latest bout

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Should You Buy Bitcoin? Ask a Different Question First

I received these two messages within three minutes of each

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Reading the Tea Leaves

Investors at year-end are inclined to reflect on the 12

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AP Bear Photo of the Year 2017 Award

With an overwhelming response from our clients this year, the

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Chasing Alpha: Fools Gold!

As an investor you are constantly inundated with information: Where

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FAANG Investing

The financial media is drawn to catchphrases –acronyms and buzzwords

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AP Bear Photo of the Year Awards

The travelling adventures of A.P. Bear! A number of years

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Phishing

Fraud & Scams

Technology, it makes our lives simpler with ever-advancing, smarter access

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Stick to the game plan

An advisor once said he did not so much have

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Fearing the Finish

Have you ever considered the psychological impact of moving from

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From Rags to Riches to Rags

Among wealth advisers there is a saying, the first generation

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Behind the Scenes

In March this year, Lia, Kelsey and Paul attended a

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Who said you can’t beat the market

Over the years, our firm has argued that it is

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AP Bear Photo of the Year Award – Winner

Drum roll please….. and the winner is Tony & Marina

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AP Bear Photo of the Year 2016 Award

AP Bear again saw some fascinating sights in 2016. From

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Putting the human into investing

What’s the ideal investment strategy? Is now a good time

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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

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Buy Blue Chips

Every night on the TV finance news, you’ll hear about

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Saying No

How do you break a bad investment habit?

Bad investment habits are the norm, not the exception. They

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Making a great wine a great investment

Savouring a vintage wine is one of life’s great pleasures.

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Investment Advice Mackay - Australian banknotes and coins scattered on a table – Financial advice for managing Australian currency, budgeting, and growing personal wealth.

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

Warren Buffett is the second richest man in the world

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Simple can be harder than complex

“Simple can be harder than complex: You have to work

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Alman Partners meet with PM & Treasurer

                With an

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Easy tools for personal budgeting

Budget! Ugh, it’s almost a swear word. After the holiday

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The 5 Keys to Retirement Success

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

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The secret to financial fitness revealed

It’s often said that the secret of success in any

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4 Perspectives – Market Volatility

Don’t Be Short Sighted  The more often you update yourself

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Group Life Insurance – Why it’s Really Cheaper

When it comes to life insurance, it’s not as straight

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The Insurance Payoff

When it comes to insurance, it can sometimes be hard

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Is Technology the Investment Edge?

Digital innovation has democratised access to financial information to the

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My Investments Rule

I admit it, I am hooked on My Kitchen Rules

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What’s Stopping You?

Nick Bennett & Rowena Hardy, Partners of Minds Aligned have

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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.

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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

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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.

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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”.

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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.

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World-Class Investment Solutions

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

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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’.

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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?

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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.

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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.

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Golden-Eggs

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.

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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.

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What’s it all for?

Why are you working, saving and investing?

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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.

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The Top 10 Money Excuses

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

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