Blog

Significant changes to residential tenancy law will take effect on 1 March 2026, bringing new obligations for small landlords, defined as those with three or fewer tenancies.

As you may be aware the media has been making a lot of noise about the recent volatility in the stock market. The global stock market is down by circa 10% from the peak.

In investing we often overestimate the impact of some factors and underestimate the impact of others. For example, for someone saving for retirement, the level of savings (as a proportion of their salary) is far more important than their investment return in the early years (we often put far more emphasis on the investment return).

In a previous blog we touched on how much you might need to accumulate to achieve financial independence. More recently we explored the concept of human capital and how leveraging it can lead to financial success for many individuals (and they can retire comfortably and stay comfortably retired).

Following on from our recent blog, ‘What’s your number’, this is a further exploration of the idea – namely, how do you get there, and more pertinently, what happens if something goes wrong?

We have regular conversations with clients about financial independence. How much do I need to accumulate before I have the option not to work? When can the money start doing the work?. For most people this is about having the option and not the obligation to work.