The 3 P’s Of Investing

Yves SchoofBusiness

Uncertainty is an escapable part of investing. However, there are things you can do to give yourself the best chance of making good investment decisions. These include: – having a philosophy to guide your choices, – having a plan for getting to your goals; and – having a process for dealing with the unexpected. Of course, none of this ever … Read More

How An Adviser Can Help You Deal With Complexity

Yves SchoofBusiness

There is no doubt that our medical and dental clients face many complexities in their daily lives, ranging from: Being self-employed Buying a home and paying down the mortgage in a reasonable timeframe Funding school fees Dealing with ageing parents Divorce and separation Preparing for retirement etc   Yes, a financial adviser provides investment advice, but 90% of the time, … Read More

Super Changes From 1 July 2022

Yves SchoofBusiness

There are various superannuation changes taking effect from 1 July 2022. Please click on the link to open a simple infographic outlining the upcoming changes. Please contact me if you have any personal questions and how the changes might affect you.

How to avoid getting fixated on market movements

Yves SchoofBusiness

Some investors like to play an active role in managing their investment portfolio. You might monitor fluctuations in your portfolio yourself, or in partnership with professional advisers. Keeping track of market movements can be useful, but too much scrutiny can result in panic or knee-jerk reactions, many of which may not prove the most sensible investment moves over the long term. If you … Read More

The Benefits Of Financial Advice

Yves SchoofBusiness

People who seek out financial advice for the first time often presume it is all about investments. But while building and managing wealth is definitely part of what we offer, the biggest benefits often are felt in intangible areas. From understanding what is truly meaningful to you, to helping you deal with life’s complexities, to providing clarity and delivering peace … Read More

Could interest rates rise sooner than expected?

Yves SchoofBusiness

In response to the pandemic, central banks around the world flooded the market with liquidity. In Australia, the Reserve Bank did what it could to support job creation and economic recovery, setting the cash rate at an all time low of 0.25 in March 2020, and dropping it even further – to 0.1 – by November of the same year … Read More

What Are Your Money Rules?

Yves SchoofBusiness

Do you have any particular rules or thoughts around money and finances? It might be a powerful motto that you live by. Here is a list of money rules other people live by: Your Favourite Money Rules.   Personally I believe in the following money rules:   Understand the power of compounding and start investing early   Understand that basically … Read More

Has The Pandemic Changed Your Money Behaviour?

Yves SchoofBusiness

I found this interesting article on how the pandemic has changed our money psychology, you can read it HERE. However, I also wanted to share some other observations, based on what I witness with clients and in my wider network.   Normally a share market decline triggers ‘fear in people, and they want to stay away from the stock market … Read More

The Importance Of Financial Wellbeing

Yves SchoofBusiness

Since the Covid-19 pandemic erupted, we have become more focused on our health and wellbeing. But what about our financial health and wellbeing? How can we ensure we are prepared for the next emergency when it comes? Financial wellbeing is about more than investments; it also includes cash flow, debt management, risk management and perhaps most importantly, acquiring knowledge and … Read More