Blog Archives - KDM Financial and Estate Planning

The most common forms of debt securities are government and corporate bonds, as well as certificates of deposit issued by banks. A debenture is another term you may have heard. This is a corporate bond that is secured by property. Like equity securities, debt securities can be bought and sold. ... Read more

The line has been drawn, the camps are divided and the novice investor is caught in middle. The use of companies and trusts as a vehicle for wealth accumulation is an area of great controversy. If you are trying to draw your own conclusion, foraging through the battlefield of polar opinions can ... Read more

It is difficult to decide what goals you should aim to achieve if you are unsure of what you want in life. If this sounds like you than perhaps the psychologist Abraham Maslow can help. Maslow studied a number of exceptional people and documented what they strived for and what it is that motivated ... Read more

Many of the financial ‘gurus’ out there who try and lure you into subscribing to their dogma and purchasing their financial ‘aides’ will tell you that you can start investing today, without any savings. They often promote the notion of making money using other people’s money (OPM). They are half ... Read more

Superannuation When I speak to my clients, the No. 1 reason for why they hadn’t started investing sooner is their faith that superannuation will provide for them during retirement. let it suffice to say that superannuation is designed to meet the basic level of human needs. The Labor government ... Read more

A relatively new investment vehicle that is gaining popularity in Australia is the self-managed super fund (SMSF). SMSFs are an exciting and credible avenue for investment that you can explore further. Below is a brief introduction to SMSFs. First and foremost, SMSFs are not exclusively for the ... Read more

Many novice investors are unaware that a market cycle exists, and many professional investors wish they had never heard of it. The market cycle is the natural peaks and troughs of the market as money moves in and out of the economy. The reason professional investors hate market cycles is because ... Read more

Debt is a multiplier. If used correctly, it can fast track your wealth creation, but if used irresponsibly it can destroy your finances and even your livelihood. The Australian economy relies heavily on debt to fund growth. Businesses enter into debt to fund the purchase of income-producing assets, ... Read more

Salary sacrifice into superannuation is one of the simplest, yet most tax-effective ways you can build wealth to assist you in achieving your lifestyle goals and objectives in retirement. Salary sacrifice is an arrangement between you and your employer where you agree to forego part of your pre-tax ... Read more