Why Advice

First published 11 March 2016 for Mancell Financial Group If you’ve spent any of your time listening to talkback radio or reading discussions online you’ll know wading into politics can be a dangerous game. Hot-headed people escalate arguments at the drop of a hat over the fortunes or criticism of their side. So when politicians […]

First published 7 March 2016 for Mancell Financial Group Another year and we’re seeing another scandal at one of the big banks. This time it’s Commonwealth Bank. Or we should say Commonwealth Bank are at it again, given their scandal plagued history. This time their CommInsure arm has been exposed through an investigation by 4 […]

First published 16 February 2016 for Mancell Financial Group The downside (and benefit) of investments measured in real time means there are ever-present signals that generate real time reactions and real time emotions. When markets are moving upward the signals are positive and investors exhibit a sense of ambivalence because that’s what they invested for, […]

First published 10 December 2015 for Mancell Financial Group When a share market has a poor year diversified investors generally have their pain quarantined for various reasons. Investors holding share funds aren’t likely to have their holdings limited to one share market. They’re also not likely to be holding only share based investments. Any portfolio […]

Interest Rate Grumbles

December 3, 2015

First published 3 December 2015 for Mancell Financial Group If there’s one constant about interest rates, it’s no matter where they sit someone will inevitably be grumbling about them. There’s always a belief from some people that they’re entitled to money at a cheaper rate or that they should be compensated better for having money […]

The Lazy Investment Fund

November 27, 2015

First published 27 November 2015 for Mancell Financial Group If you’re looking for a really valuable present for anyone in their 20’s this Christmas you couldn’t go wrong by handing them $50 and explaining the simple dynamics of time and compounding contributions when it comes to planning for the future. Explain that $50 can be […]

Playing The Probabilities

November 20, 2015

First published 20 November 2015 for Mancell Financial Group When it comes to the share market the media has a notoriously short term focus. And because few investors compile their own stats on share market returns, the media ultimately becomes our share market news filter. Each day they tell us what the market has done […]

First published 30 October 2015 for Mancell Financial Group You can save for a lot of things, but saving your way to prosperous retirement is near impossible. Historically (and this isn’t expected to change any time soon) unless you’re enjoying a truly significant wage and saving a massive amount of it, the conspiring elements of […]

Sunk Costs & Unlikely Returns

September 24, 2015

First published 24 September 2015 for Mancell Financial Group Have you ever made yourself suffer through a bad movie because after paying for the ticket or rental you just had to get your money’s worth? Some people invest the same way. Behavioural economists have a name for the tendency of people and organisations to stick […]

First published 18 September 2015 for Mancell Financial Group The world’s biggest interest rate decision in a long time, the US interest rate decision for September, came and went and without much action. If you’re wondering why it was the biggest interest rate decision, it’s because the world’s largest economy (or second largest, depending on who […]