The importance of planning, goal-setting and living within your means to achieve a comfortable retirement

The importance of planning, goal-setting and living within your means to achieve a comfortable retirement

As you will all know, if you don’t make plans your life will run a haphazard course and could be somewhat disappointing. Planning and goal-setting will provide the means with which to measure your success and milestones. The most productive time to start planning and goal-setting is when you are young, as it can have the greatest impact, however getting involved with this at any age will have a positive impact.

Rising Volatility

Rising Volatility

Harbour Asset Management March 2018:

Key developments

Following on from the same themes in January, markets continued to see strong global economic growth in February, but worried about the top risk on our list for 2018 – namely inflation risk and ultimately concerns about whether monetary stimulus will be removed in a way that is not friendly for markets.  We see the heightened volatility in financial markets in recent months as a normalisation of conditions, after a period where volatility and dispersion in markets have been remarkably low for an unusually long period.

If you want to have big success, you need to become more

If you want to have big success, you need to become more

“There is one thing that 99 percent of failures and successful people have in common: they all hate doing the same things. The difference is, successful people do them anyway.”
– Darren Hardy


“Higher success requires you to be a better version of yourself.” Prolific motivational speaker Jim Rohn said that, many years ago. “If you want to have more success, you need to become more.”

How To Choose A Real Estate Agent

How To Choose A Real Estate Agent

By BRENDON SKIPPER in M2 Magazine, December 2017

Selling your home is likely to be one of the biggest financial decisions you’ll make.

Once you’ve made the decision to sell, one of the first steps to ensuring you get the best price for your home is engaging a real estate agent that knows your area and the type of house you are selling. Real estate agents are experts in the process of buying and selling property and it’s important not to underestimate the value of their professional expertise. But how do you find the right agent for your situation?

The disruption of business models has barely begun

The disruption of business models has barely begun

Magellan Asset Management Limited OCT 2017


Sometimes the winners and losers from disruption aren’t obvious


If you look at a photograph of the Easter Parade in New York in 1900, it is full of horses and carriages. Yet by 1913, photographs show the parade was full of cars. Think about how petrol stations needed to be rolled out to enable such change over barely more than a decade. Transportation was fundamentally transformed over those 13 years largely because in 1908 Henry Ford rolled out the first Model-T Ford off the production line, which enabled cars to be mass-produced at affordable prices.

Some inspiring quotes

Some inspiring quotes


Jack Ma,

Founder Alibaba


“Never give up. Today is hard, tomorrow will be worse, but the day after tomorrow will be sunshine.”


Warren Buffett, CEO Berkshire Hathaway


“You only have to do a very few things right in your life, so long as you don’t do too many things wrong”.



Mark Zuckerberg, Co-Founder Facebook


“The biggest risk is not taking any risks. In a world that’s changing really quickly, the only strategy that is guaranteed to fail is not taking risks.”



Jeff Bezos, Founder Amazon


“We’ve had three big ideas at Amazon that we’ve stuck with for 18 years, and they’re the reason we are successful: put the customer first, invest, and be patient”.


Larry Ellison, Founder Oracle


“I have had all the disadvantages required for success.”



Michael Bloomberg, CEO Bloomberg


“You must first be willing to fail – and you must have the courage to go for it anyway”.


You can't retire on the Trump Bump

The S&P 500 has returned more than 11 percent since the election of President Trump on Nov. 8, adding a bit of renewed thrill to a bull market that’s already eight years old. Clearly, investors are feeling optimistic about the prospect for returns. But many companies that put individual investors’ money to work for the long run have been arguing for lower long-term expectations.

How much will I need?

The problem with retirement planning is that everyone’s lifestyle differs in style and cost. There is no universal amount that needs to be saved by the time you hit retirement to ensure you have saved “enough”. What you need to work out is your own personal number. Then you need to determine if you are going to achieve that number or whether there is going to be a shortfall. If there is a shortfall, you need to decide what you are going to do about it.