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How is Money Made from Investing? There are 3 main mechanisms that need to be understood if we want to understand how value and wealth is created through investing. They are: capital appreciation, income (dividends/distributions) and compounding. #1: Capital Appreciation If the price of a share/stock/asset rises (capital appreciation) – the value of that investment […]

How to set Goals Setting goals is an important part of our lives because it gives us a sense of direction. It dictates where we want to be in life and keeps us accountable at the same time. It can also increase motivation to perform better and notes down what we truly want for ourselves.

Churning Private Health Insurance One surefire way for me to save about $500 a year takes me a total of about an hour every year to do. That’s $500 tax free dollars in my pocket, 500 cold hard bucks handed to me for doing jack all. Well.. nearly jack all. Remember, the loyalty tax applies

What is more important than Personal Finance? Although this website is about personal finance, and that I pedal that understanding personal finance is one of the most important things in life – it is not everything. Mastering personal finance can be a key component to less stress, happier outcomes and ticking off future aspirations (see

What are ETFs (Exchange Traded Funds)? What are they? An ETF or an Exchange-Traded Fund is an investment fund that holds a basket of assets. Meaning that by investing into an ETF, you are exposed to many investments all at once. Think of an ETF like a big box of toys – each toy inside

Why Investing is Risky? Investing risk isn’t about losing money – it’s about uncertainty around outcomes.   Chipping money into that savings account is very safe, you will wake up the next day or 2 years later and the money will still be there. Unless a meteor strikes the Earth or Australia is taken over