Recently our very own Alison Adams wrote the below article for RUBY magazine. The message is just too important so we thought the article should also feature as blog post:

get riled, it irks me, it makes me cringe.  Do we really need events specifically targeted at women? 

As a woman, I have had a successful career which has allowed me flexibility and choices and sees me treated with respect in my workplace – I’m treated the same as any male counterparts in an industry that has traditionally been male dominated.  As a mother of two young girls I don’t feel like there are any limitations or restrictions to their future just because they are female.

So if this is how I feel, why is it that:

  • Women remain behind men in the pay scale, earning an average annual gross income of $67,000 compared to men who are paid about $82,500 per year.
  • The Association of Superannuation Funds of Australia tell us that in 2011-12 average super balances were $82,615 for men and $44,866 for women.

I feel equal but these statistics don’t feel equal.  Combine this with the fact that:

  • Women have a longer life expectancy than men.
  • Women are more likely to have breaks in employment or work part time, either caring for children or elderly parents.
  • Women could spend 30+ years in retirement. Put another way, on average a 65 year old woman will spend 25% of her life in retirement.

OK, I don’t like to generalise, however we have noticed a trend where women have a tendency to avoid seeking financial advice.  This trend doesn’t seem to discriminate – it applies to single women, women in relationships, divorced women, professional women and stay at home Mums.   Women are great at being busy.  We juggle a lot of roles.  We also tend to be competent at managing our households – we definitely seem to have day to day finances under control.  The same can’t be said for long term planning – and it’s long term planning that can make the world of difference.

All of these factors seem quite grim.  So I’m going to earn less, save less and need to fund a longer retirement.  On top of that I’m going to ignore the situation and not seek advice.  Situation hopeless, right?  Wrong.

In direct response to these issues Income Solutions have developed a targeted presentation for women, helping to break down the issues and provide solutions.   There are so many things that can be done to bridge this gap.  Every woman should feel empowered to take control and make a difference to their future financial fitness.  I’m going to quote on of our advisers, Gareth Daniels “It doesn’t matter how much you earn, it doesn’t matter where you are in life – you can make some informed decisions and sensible choices.  You really can design a lifestyle that you are passionate and excited about”.  Gareth’s comment wasn’t particularly female focused but boy, his message hits the nail on the head!  Ivana Trump once famously said “Don’t get mad, get even”.  She was of course talking about making her soon to be ex-husband pay dearly in their divorce.  Think about it though – getting even is exactly what we want to achieve.  Financial equality…….and we can show women how they can create it themselves without the need to marry and then divorce the rich husband!

How can women get started if they don’t know where to start and are not likely to seek help?  In developing Income Solutions for Women, we’ve made sure the presentation is portable.  We know Geelong is full of great businesses and inside these great business are owners and managers that care about their employees and their future.  After all, that’s just smart business.  Our philosophy at Income Solutions has always centred around education – it is the key to empowerment.  As a result Income Solutions for Women is now available as a work place session. Come on employers, its history in the making!  To book a session or to talk about Income Solutions for Women or any of the other information sessions in our range, give us a call on 03 5229 0577, drop us a line to [email protected], or visit our website.

Alison Adams, Business Development Manager


In July, we offered an internship opportunity to Deakin Commerce student Danny Archer. This week we’ve said goodbye to him after seven weeks with us. The Income Solutions team in Geelong enjoyed having a new face in the office, and we were very impressed by Danny’s enthusiasm and how quickly he learned the “ropes”. We took the opportunity to ask him a few questions about his experience as an intern with Income Solutions. (We’ll be advertising more internships soon, details at the end of this post!).

Danny 2

  1. How did you find out about internships at Income Solutions?

I sent an expression of interest e-mail directly to Income Solutions explaining my situation at University, and my desire to obtain an internship with the purpose of gaining an advantage over my co-students by having real, professional experience in my penultimate year of studies.

  1. Take us through the process of applying and being accepted.

Mason replied to my e-mail via a phone call advising me that Income Solutions were impressed with my informal application, and would  like to organize a meeting to discuss the matter on a more formal basis. David (CEO) and Mason (Operations Manager) were present at my interview which I was made to feel very comfortable and welcomed in. We discussed my career-objectives, what I wanted out of an internship, what role they were prepared to offer as an internship and also my University layout moving forward.

  1. What was your first impression of the office itself?

I particularly liked the open-plan design of the bottom level offices, giving the firm a tight-knit feel. The most impressive aspect of the Geelong office is the 75-seat Auditorium. A great initiative by David, I attended one of the Common Sense Investing Information Evenings which was held in the Auditorium, and it really reinforced how beneficial it is to the firm.

  1. What was your first impression of the staff?

Meeting the staff was the part of the Internship I was initially most frightened about. I wasn’t sure how they would take to having an Intern in the office, as I am the first, or how they would react to my inevitably repetitious questions about how to complete certain tasks and duties. During my initial tour of the office, every staff member I met welcomed me with a great smile and warm personalities, instantly minimizing the nerves I was feeling and making me feel comfortable from the beginning. Having this support from the staff, particularly the Associates with whom I worked closest with, eradicated any nerves I had about making mistakes on work as I knew help was always there when needed.

  1. What kind of work have you been doing during the internship?

I began completing documents for client review meetings, Unit Calculation spread sheets, Share Dividend spreadsheets, Fee Disclosure Statements (FDS) and preparing the client(s) Portfolio Review files. I found this task very enjoyable and informative as I was able to learn a lot about Superannuation and Pension funds, share dividends and their distribution methods and also different types of insurances available to individuals and families. I was also able to sit in on a client review meeting with Dan, one of the Advisors, and an individual client, which was an experience I had looked forward to throughout the Internship. I really enjoyed being exposed to how an advisor-client meeting is held, and was also able to write the File-Note at its conclusion.

  1. Have you been able to apply what you have learned from your Commerce degree during the internship?

I have been able to apply a considerable amount of knowledge learned throughout my Commerce degree into my Internship. The classes undertaken as part of my Financial Planning major obviously helped having a fundamental understanding of shares, property, cash, insurances, assets, liabilities and estate planning, which I was able to build on significantly during my time at Income Solutions. My Accounting classes also helped, in particular with my understanding of taxation in Australia which is a core component of Financial Planning.

The Advisers at Income Solutions are impeccably professional and have a very strong belief in the investment strategy used at the firm. My outlook on investing in either of the three asset classes has drastically changed due to constant teaching from the Advisers here. I tried to make use of their knowledge as much as possible and asked many different questions about what investment strategy would be best in many different scenarios..

  1. Would you recommend us to other students who want to undertake an internship?

I would definitely recommend Income Solutions as a firm for any student to complete an internship at. The professional development I have been lucky enough to achieve here has exceeded all expectations I had prior to commencing the Internship, and is an invaluable asset I now have as I endeavor to complete my degree and apply for full-time positions post-grad.

Want to be the next intern at Income Solutions? Visit our Careers page and apply. Interview rounds begin in October.

Nick Cooper – we’ll miss you – mostly ;)

Nick Cooper blogWe had BIG news in June.  When you work in the world of financial planning, the media is always making news BIG …..generally BIGGER than it needs to be and normally peppered with their special brand of doom & gloom spin.  So, BIG news is nothing out of the ordinary.  This time, however the news was closer to home.  Very close in fact because Nick Cooper, announced his retirement!

We must admit it didn’t come as a huge shock – Nick was already “semi-retired”, working 2 days a week.  I have worked with Nick for 25 years and when he finally made his decision to retire it prompted me to think about the things I will miss about him when he’s gone.  And some things I won’t miss.

I WILL miss Nick’s company.

I WON’T miss him hanging over the side of my desk to tell me EVERY “important” thing he can think of.  Let me tell you, there’s a lot of “important” stuff happening in the world of Nick Cooper!  And telling him to “go away” doesn’t even work!

I WILL miss Nick’s reliability and sense of duty – if something needs to be done, investigated or followed up, he’s the man to go to.  Big or little job.  Hard or easy job.  He even normally does it without complaining.

I WON’T miss Nick’s singing and dancing.  How does that man know the lyrics to every song that’s played on the radio?  Worst still when he used to play the Moody Blues at ear splitting volume and sing along to that.  Painful memories there for sure.

All jokes aside, Nick and I have worked together for a very long time and the thing I will probably miss the most is the ease of relationship you have when you’ve worked with someone for that long.  We can’t offend each other – we’ve tried and it’s like water off a ducks back.  We can have tantrums with each other and we don’t even have to apologise afterwards.  We’ve built up a form of unspoken language where one look can say much more than words ever could.  As Nick would say, “he’d get less for murder” or even worse “it’s like he’s got two wives, both telling him what to do”.

Amazingly, Nick has only ever had two jobs:  starting as a young cadet in the RAF before transferring to the RAAF and achieving the rank of Flight Lieutenant; and financial planning, where humble Nick won’t give you any clues but he did achieve quite a few accolades along the way.  Nick decided to start studying while he was in the RAAF and completed a Bachelor of Business, majoring in Accounting.  Not too long after his studies were completed, he decided to leave the RAAF and try his hand at financial planning.  Nick took a position as a junior planner at a planning firm in Dandenong, where he was taken under the wing of planner Dilip Dutt, with whom he remains firm friends to this day.  Nick then decided that a tree change to Geelong was in order and took up a partnership opportunity with Geoff Peach in Lara (at this time he made the best business decision of his career by hiring me!).  There has been a few business reincarnations along the way, eventually leading where he is today at Income Solutions.   And it has been a ride with a few twists and turns – probably the biggest challenge being Nick’s horrific accident.  Sometimes from bad things, good things can shine – Nick generally understates the severity of that accident but he was lucky to survive it.  He displayed so many of his positive traits to get through that time – determination, strength of character, perseverance.  Plus he proved what we all knew – his tough head was no match for a car windscreen!  As he’ll readily tell you – he won that battle, not the car.

I know it’s with great pride that Nick will tell you that many of his original clients are still his clients today and they are the reason he’s stuck around for so long. While he’s sad to say goodbye, he’s confident he’s left them in good hands.  All good things to come to an end and I’m glad Nick’s decided it’s time to do some things for himself.  He’s going to tick off some bucket list items – a couple of cruises around this beautiful world we live in and if you’re travelling on the roads look out for the old bikie putt putting past you on his motorbike!  Give him a wave when you see him.


By Alison Adams, Business Development Manager

The Payday Loan Trap

I’m sad to report that I would now be categorised as “middle-aged”. Urrghh – how did this happen? As abhorrent as the idea is, I must admit there are times where I do get little subtle reminders that I have lived a little and along the way have managed to find some sort of wisdom. So when I’m relaxing in front of the TV and find myself watching ads for payday loan companies, I tend to get angry. It’s not that these types of businesses are anything new. The main difference as I see it is that in my youth such businesses would have been called pawn shops or loan sharks – only used by people in absolutely dire circumstances and there is no way I could ever have imagined myself delving into that murky world.

Apart from that, I had a part time job and I guess by following the example of my parents I had developed a healthy mix of spending and saving, all executed within my means. Now forward from the 1980’s to today, where I see ads for instant cash transfers that you order from your mobile phone. There are two adverts in particular that come to mind and each time I see them, I’m left seeing red at the bad example they are setting. One involves two male friends at a pub, and one spots a good looking girl and he wants to buy her a drink. The friend suggests he call a payday loan company that will transfer money to him within a matter of minutes. Reality check – in my mind the sequel ad should show the guy subsisting on bread and water for the next few weeks because the round of drinks was so expensive after factoring in the price of the loan that he can’t afford to eat. In my version the girl is long gone, of course – enjoyed her drink and thought the guy was cute but couldn’t get past the fact he was broke and irresponsible.

Back to TV world, the other advert involves a girl getting told off about her expensive mobile phone bill. Despairing over not being able to pay the bill and attempting to absorb the unimaginable advice that she should curb her social media “selfie” habit, she opts to get a pay day loan. The normalisation of these situations and the accessibility to a quick fix solution combine to create a really frightening situation.

The Herald Sun (18/03/15) recently ran a story titled “Payday Loans Alarm – Depth of crisis a riddle”. The story advises that payday lending has grown a whopping 125% in the past 7 years, with ASIC deputy chairman Peter Kell stopping short of calling for a ban. “In just about every jurisdiction on the planet there is payday lending of some sort, but we need to be sure the sector operates in a way that those financially vulnerable people are not harmed” he said. The abovementioned Herald Sun article also states that Choice spokesman Tom Godfrey said that such lenders were “going gangbusters” and often asked borrowers to repay the “staggering” annual equivalent of up to 700% in fees and interest.

When I think about my own children and how sponge-like they are when it comes to absorbing the information overload available to us in this technology driven world, I start to become concerned. How can I make sure they understand the basics – like you can’t spend more than you earn, sometimes you have to stay home instead of going out, you can’t always get what you want (insert background music by the Rolling Stones here). So how do you get this message across? It’s very hard to counter the slick advertising campaigns that target young people. Unfortunately this is only a tip of the iceberg but I am proud that at Income Solutions we have developed several presentations that focus on some common sense simple strategies applicable to all ages and circumstances. We aim to demonstrate that financial planning is for everyone, young or old (even middle-aged……..), well established or just starting out, professional career or apprentice tradie. If advertising messages are powerful, I’d say follow Nike’s slogan and “Just Do It”! Get educated (not by the TV) and start the journey today.


By Alison Adams, Business Development Manager

New Year Update 2015 from David

I trust you enjoyed the Festive Season and the time spent with family and friends. I certainly enjoyed my short time relaxing at home. This allowed me to catch up on some study and reflect on the year just passed and the year ahead.

One of the biggest impacts of 2014 was the damage to our industry’s reputation. The response from the regulator and various enquiries has been to focus on industry education standards and potential conflicts of interest that may exist in the advice chair.

Now for 2015, as a business we will continue to focus on client education through the over 60 client education sessions we will run. This will allow our clients to make sound and informed financial decisions.

I am proud to say all our Advisers and Associate Advisers are degree qualified; with most currently undertaking some form of further education. Our people are not only highly educated but have our client’s best interests at heart. I observe and hear this every day as they go about their daily duties.

2015 will be Income Solution’s 28th year in business and we look forward to continuing to grow our client’s wealth.

Wealth is the absence of financial worry,
An income you don’t outlive,
And a meaningful legacy
To those whom you love.


By David Ramsay
Principal Financial Planner

It’s never too late!

At Income Solutions we constantly talk about the ‘best investment you will ever make’ which is investing in yourself. We refer to the need for education and a focus on career (or business) as well as the time, money and discipline it takes. We encourage each other and our clients to be the best we can be in these areas.

Of equal importance is physical and mental wellbeing. In fact without this, the ability to deliver optimum results in work or elsewhere is diminished. In simplistic terms it could be said that mental health, at least from a stress management perspective, can be improved with physical exercise.

I know I have many times fallen foul of the easy to find excuses to not keep up with regular exercise: busy at work, busy at home with a young family and a few spots of rain starting to fall when I am supposed to go for a run. Put this along-side bad diet habits which are easy to slide into, and before I know it I’m looking in the mirror and wondering, “Who is this person staring back at me?”

Self-motivation is key but having a loved one give us encouragement can help; as can some inspirational external influences. A couple of stories which grabbed my attention this week are those of Steve Way and Doreen Flanders.

In his early 30’s Steve loved nothing more than a kebab, a few pints, a smoke and a counter meal. After a wakeup call he took to running and has never looked back. At aged 40 Steve just represented England in the marathon at the Glasgow Commonwealth games. He lost 40kg’s and trimmed his waste by 28cm. He is inspirational because he was not just a little bit over weight or with a few bad habits, he was obese with a dangerous lifestyle. Many, myself included, would be in danger of giving up at this point but Steve used his position as the catalyst for improvement.

We can’t all become elite runners, but we can find the thing we are good at to keep ourselves active. Doreen Flanders competed at this year’s Games in bowls as a 79 year old!

I recently had some clients in their mid-60’s join a gym and whilst neither are setting the world on fire (which was never their intent) both are showing fast improvement and feeling better for their efforts. A new study suggests short 6 second bursts of intense effort by those aged 60 and above, building steadily to just one minute of sustained activity twice per week, will show demonstrable benefits. Every little helps. Read more here

The benefits of regular exercise are many and varied; you don’t necessarily need to become an international athlete to reap these rewards, just do justice to yourself and enjoy it. Although, if Steve Way and Doreen Flanders are anything to go by, why not – Rio 2016 here we come!


By Gareth Daniels

Financial Planner

Is rent money dead money?

The average mid to late twenty year old Australian with a dependable job and long-term partner is increasingly being pushed to live the Australian dream – owning their own home.  These pressures are contributed to by parents, grandparents and friends, not to mention the constant television, social media and newspaper articles pushing this inherited idea.

These days, it is common place to see countless photos circulating on Facebook and Instagram of happy couples placing SOLD stickers on the advertising board of their new home. This in turn creates an overwhelming feeling of being left behind. You sit there and wonder, “How could they afford that? Should I be saving to buy my own 2-bedroom shoe box in a suburb I haven’t heard of, just to keep up with the crowd?”

The answer is no, you don’t! The majority of this demographic has an ingrained fear from an older generation, who has the notion property prices will always grow. Many people believe the sooner you get into the market, the cheaper it will be; and by doing this you will save money in the long run, by not paying someone else’s mortgage. Although this can be very easy to believe, it is in fact not entirely true.

The common phrase you hear when the topic ‘rent vs buy’ is brought up, is that ‘rent money is dead money.’ This seems to be the home buyer’s trump card however, they seem to forget many of the additional expenses and cost associated with buying their dream home.

What most seem to exclude is stamp duty, the likely mortgage insurance cost (mortgage insurance is only payable if the loan amount is above 80% of total value), and the interest amount paid per annum on top of the mortgage repayments. Unless you had the foresight to start saving your pocket money when you were 10 years old, or have won the lottery, it’s highly unlikely you will be able to come up with the entire cost of the property, let alone an amount sufficiently substantial to make it viable.

Let me provide you with an example. You purchase a property in Melbourne and raise the 10% deposit for the purchase of the home. Assuming you don’t win the lottery, you might reasonably aim to pay off the loan over a 30-year period, with an interest rate of 5.5%. To make it fair, you will exclude ongoing costs like house maintenance, land tax and the very high possibility of moving your new, and potentially growing family to a bigger house during that 30 year period.

According to RP Data[1], the median housing price in Melbourne for 2013 was $610,000. The average Melbourne rental costs is $1,560 pm.

The auction has concluded and you have now begun your mission to achieve the great Australian dream. All you have to do now is deposit your hard earned savings into this dream home.  Your new loan has been reduced by $53,800 (10% deposit); therefore the total loan is now $484,200. You may think this is a manageable amount, only $2,824 pm over 30 years. You would be happy to sacrifice $529 pm to live the Australian Dream.

Don’t write the cheque just yet! As I mentioned earlier, there are the formidable, overlooked costs which are mainly stamp duty and mortgage insurance, plus rates and maintenance costs not incurred by renters. If you included these overlooked costs into the loan, it would increase by $35,217 (Stamp Duty $25,727 and Mortgage Insurance $9,490), making the total loan $519,417. This in turn makes your monthly repayment $3,030 (excluding rates and maintenance costs).

After the 30 year period your property will have cost $1,127,129 in interest payments alone, compared to the rental costs of $1,014,054 over the same period. The interest amount is not coming off your mortgage and is, in fact, ‘dead money’.

I will be the first to acknowledge that removing yourself from the monetary figures, there is a strong sense of emotional attachment, security, independence and pride in owning your own home. In saying this, when you purchase your dream home without the required financial comfort, you may not be living the Australian Dream. Instead, you may be stuck in what seems like a never ending mortgage you were pressured into and, essentially, you may be missing out on actually living the real Australian Dream.

Whether you rent or buy, it’s important you do what’s right for your own circumstances and your own financial situation. Basically, don’t panic. Rent if you need to; buy if you can; don’t over commit yourself; and don’t stress about it!

Nick O'Hare

By Nick O’Hare
Associate Financial Planner


Please note: The advice in this article is of a general nature only and has not been tailored to your personal circumstances.  Please seek personal advice prior to acting on this information.

Our financial advisers and Income Solutions, as Authorised Representatives of GWM Adviser Services Limited, can only give strategic advice in relation to property and are not authorised to provide specific advice on direct property. Any property advice should be directed to a real estate agent or property adviser.


Assumptions: CPI 3% , Average Interest rate over 30 years 7% (based on rpdata) .

[1] RP Data is the largest provider of property information, analytics and property-related risk management services in Australia and New Zealand. Mitch Koper from Rpdata and riskmark international, Home Vallue Index Results, Friday, November 1, 2013.


The pitfalls of property development for profit

When contemplating wealth creation strategies, my experience tells me a great number of people are attracted to the idea of taking a derelict or unloved property (think ‘renovators delight’) and turning it into a buyers dream with bidders climbing over each other to own your masterpiece.

With the Auctions for the TV Series The Block (Series 9) airing on Channel 9 recently, here are some key lessons the latest series has delivered to anyone considering developing property to make a quick buck:

The Human Cost:

‘Time is money,’ ‘there are not enough hours in the day.’ Ever heard these sayings? Well, juggling your day job and trying to renovate could seriously detract from your performance at work. Focusing on ‘your purple box’ (your Career/Business) is the best investment you can make; if outside influences detract you from performing your role, your boss might not look upon you favourably, or your business might suffer as your mind is busy elsewhere. People also under-estimate the stress this can put on a relationship.

Furthermore, ( took a look at the hourly rate earned by contestants Darren & Deanne and Michael & Carlene and concluded they were paid just $10.71 per hour for the work they put in to their apartments.

The Hidden Costs:

Without a doubt the most frustrating component of The Block, personally, is the lack of transparency around the true costs associated with the Development – the location was mocked up as an old Channel 9 office block, but was in fact the old headquarters of communication technology company Vixtel. The cost of acquiring the site, the interest costs on the loan required to purchase the property, costs for Products and Services provided to The Block by sponsors such as The Good Guys, Mitre 10, Beaumont Tiles and Reece Plumbing, plus Government Taxes and Selling Costs don’t seem to be reflected in the ‘Reserve Prices’ set for the Apartments.

For the average mum and dad looking to add value to a property and turn it over for a profit, these are all very real costs which must be taken into account and factored into your planning.

The Risks:

As seen in The Block finale Auctions, when you have only a few, or even just one (or maybe none!) interested parties to purchase your property, it becomes very difficult to drive the price up to push you into a profit position. As property is a very illiquid asset, if you get yourself into a position where you’re needing to sell quickly you might not be able to wait until you can get a price that better reflects your efforts. Holding costs such as loan interest continue to build up during this time. Furthermore, if you own your own home and are branching out into property development to try to create wealth, you have all your eggs firmly in the one basket; domestic real estate. If there is a market crash, this now impacts both your personal (home) and financial (Investment Property) asset values.

The Experts:

If you’re a professional Property Developer, there is no doubt you can make money in development (much the way a Doctor makes money through advising patients or a Financial Adviser through providing financial advice). If you’re not, chances are you will find the going much tougher. Tradespeople are renowned for upping their prices for mum and dad developers. I’ve also heard countless stories of appliances being stolen from properties just days from settlement. If you intend on taking on this sort of project, factor in costs of bringing in professionals; don’t flatter yourself with huge estimates of cost savings through DIY.

Finally, always seek advice from professionals such as your Financial Adviser when contemplating any investment. To book a consultation with an Income Solutions Adviser contact (03) 9654 0555 or (03) 5229 0577.



By Steven Nickelson

Certified Financial Planner

Please note: The advice in this article is of a general nature only and has not been tailored to your personal circumstances.  Please seek personal advice prior to acting on this information.



Buy your shares – then leave them alone!

During the five-year period 2009 through 2013, the Standard & Poor’s 500-Stock Index produced an average annual compound rate of total return of 17.91%. For the same time frame, NASDAQ returned an annualized 22.95%. Harvard University’s endowment fund earned 1.3% per year.

The people running Harvard’s money were not to be taken in, as mainstream equities hit the bottom of their greatest crash since 1929-32, by values not seen in our lifetimes, nor by prices that will never be seen again. They were entirely too sophisticated for such Neanderthal thinking.

So, it should come as no surprise that the CEO of Harvard’s endowment fund, who was paid $4.8 million in 2012, announced in June that she is stepping down. (She was the fourth person to hold this job in the last nine years)

We are responsible for helping people accumulate capital over decades, and for husbanding that capital as they withdraw from it for decades more. Thus, we are expected to offer the one thing without which the benighted individual investor must perish: a long-term and even lifetime perspective.

My perspective is that the collective of the economy’s productive enterprises will give their long-term shareholders an income stream which will continue to grow over time.

An example of this is Caterpillar Inc who’s CEO, Doug Oberhelman, recently submitted the following Press Release: ““We are proud of our long dividend history, in which Caterpillar has paid a cash dividend to our stockholders every year since the company was formed in 1925. We are equally proud that during this period, our equipment and services have helped build, grow and power the world.”

Now to capture this value, you just need to own the shares and leave them alone, which seems very easy but proves impossible for most people – even the most highly sophisticated people at Harvard.


By David Ramsay

 Principal Financial Planner

Please note: The advice in this article is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information.

Source: Nick Murray Interactive Volume 14, Issue 8 dated August 2014

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