Own Financial Planning

Exploring Copper Investment Opportunities: How It Ties to the Real Estate Cycle In a recent article by Property Sharemarket Economics, the investment case for copper was explored in depth, highlighting its role in global economic cycles and the real estate market. What makes copper particularly interesting is its connection to the real estate cycle. As construction and development ramp up, copper demand is poised to surge, creating an intriguing investment opportunity. This ties directly to the broader economic environment, where shifts in interest rates and housing markets directly influence the supply and demand for key commodities like copper. In light of this, I recently sat down with Marc Jocum from Global X ETFs for an insightful video discussion about the WIRE ETF, which invests in global copper miners. We explore how this ETF provides exposure to the copper sector and why it’s gaining attention as a long-term investment play in a resource-constrained world. You can watch the full discussion here - https://lnkd.in/gbU4SV4Q If you’re interested in understanding how the copper sector fits within the broader economic cycles and global market opportunities, I invite you to join us for our upcoming workshop. Marc will share his perspectives on global market opportunities, including the role of copper in the future of mining and resource investment. I’ll also be diving into broader themes, focusing on long term market cycles and the themes expected to generate outsized returns. Don’t miss out! Register today and gain insights from Marc and myself on how you can position your investments for success. Click here to register for the workshop - https://lnkd.in/g9Ty4DtR

Why Asset Allocation is Key to Investment Success – and How We Can Help You Get It Right As someone who regularly analyzes investment portfolios, one thing stands out: it’s not always about the individual investments themselves, but the lack of a solid asset allocation strategy. In many cases, investors fall into the trap of choosing individual investments based on the "next big thing" or short-term trends, without a clear plan that reflects their long-term goals and risk tolerance. Here’s the truth: asset allocation – how you divide your investments across various asset classes like stocks, bonds, and real estate – is the cornerstone of a successful portfolio and the primary driver of long term returns. Without it, your portfolio may be vulnerable to unnecessary risk, missed opportunities, and an inability to weather market fluctuations. But asset allocation isn’t just about picking the right assets; it’s about structure, process, and discipline. Without these, even the best investments can be undermined by a lack of proper monitoring, performance benchmarking, and regular rebalancing. Many self-directed investors believe that managing their own portfolios means they don’t need professional help. However, in my experience, a lack of structure and accountability often means they don’t hold themselves to the same standards they expect of professionals and this puts at risk achieving goals in the desired timeframe. How do you know if your portfolio is performing as expected? Are you regularly checking if your asset allocation still matches your evolving goals? Are you benchmarking your performance against an appropriate standard? If you answered "no" to any of these, you're not alone—and this is exactly why we offer an Asset Allocation Service to help you implement a strategy that’s customized to your goals, risk tolerance, and time horizon. By following a structured process with ongoing support and monitoring, we ensure your portfolio is optimized and on track to meet your long-term objectives. Want to learn more? Join us this Friday for a comprehensive workshop on Asset Allocation. We'll dive deep into the principles of asset allocation, the importance of structure and discipline, and how to make sure your investments are working as hard as they can for you. It’s a great opportunity to ask questions, get personalized insights, and see how our services can help you achieve your financial goals with confidence. Don’t leave your financial future to chance – let us help you build a strategy that works for you. See you Friday! Click here to register - https://lnkd.in/g9Ty4DtR

🚨 Last Chance to Register: Final Workshop of the Year! 🚨 Time is running out! There’s less than a week to go until our State of the Markets Workshop, and this is your last opportunity in 2024 to gain exclusive insights from industry leaders. What to Expect: 🌏 Market Trends & Opportunities for 2025 – Stay ahead with expert analysis of Australia’s property and global financial markets. Speakers include: 🔹 Arjun Paliwal, Founder of InvestorKit – Discover the latest data-driven insights into Australia’s capital city residential property markets. Arjun leads the only back-to-back winners of the REB Buyers Agency of the Year Award (2023 & 2024). 🔹 Marc Jocum, Investment Strategist at Global X ETFs – Learn about the key drivers of global financial markets and thematic investment opportunities from a market leader managing over $86B globally. 🔹 Dane Pymble, Co-Founder of Own Financial Planning – Explore how long-term market cycles inform our asset allocation strategies and review key investment themes expected to dominate 2025. Event Details: 📅 Friday, 29 November ⏰ 8:30am – 10:00am AEST Register here - https://lnkd.in/g9Ty4DtR

Spiritual Wellbeing: Finding Purpose through Financial Freedom 🙏 Spiritual wellbeing is about connecting to your sense of purpose and meaning in life. For many, financial freedom plays a role in achieving this. When your finances are in order, you have the space to reflect on what truly matters and to live in alignment with your values. Our goals-based financial advice isn’t just about dollars and cents—it’s about helping you pursue what gives your life meaning, whether that’s supporting a cause you care about, planning for meaningful travel, or simply living with less stress. Let us help you align your financial goals with your spiritual wellbeing. #SpiritualWellbeing #FindPurpose #FinancialFreedom #GoalsBasedAdvice #OwnFinancialPlanning

Dane Pymble - Market Cycles & Asset Allocation 🔄 How do market cycles shape investment strategy? Discover the big-picture approach at the Annual State of the Markets Workshop, where Dane Pymble, Co-Founder of Own Financial Planning, will share: ✅ Insights from long-term market cycles research ✅ Key themes to watch in 2025. ✅ A review of how our strategies have performed over the past 18 months. With 20+ years in Funds Management and Goals-Based Advice, Dane’s expertise in asset allocation strategies is unparalleled. 💡 Get clarity on how to navigate the markets with confidence. Register here to secure your seat - https://lnkd.in/g9Ty4DtR #InvestmentStrategy #AssetAllocation #MarketCycles #OwnFinancialPlanning

Marc Jocum - Investment Opportunities for 2025 📈 What’s driving financial markets in 2025? Join us at the Annual State of the Markets Workshop to hear from Marc Jocum, Investment Strategist at Global X ETFs. Marc will break down the key market drivers and share critical investment opportunities for the year ahead. Global X Securities, part of the Mirae Group, which manages over $86B globally, is renowned for their thematic ETF offerings. 📅 Stay ahead of the curve with expert insights you can act on. Register here to secure your seat - https://lnkd.in/g9Ty4DtR #Investing #FinancialMarkets #ThematicETFs #GlobalXSecurities

Arjun Paliwal - Australia’s Property Market Insights 🏡 What’s next for Australia’s property market? Join us at the Annual State of the Markets Workshop for an exclusive update from Arjun Paliwal, Founder of InvestorKit. Arjun will delve into the latest data-driven insights on Australia’s capital city residential property markets. As the only back-to-back winners of the Real Estate Business Awards’ Buyers Agency of the Year (2023 & 2024), Investorkit has developed cutting-edge research tools to keep you informed. 🎟️ Don’t miss this opportunity to gain valuable property insights for 2025! Register here to secure your seat - https://lnkd.in/g9Ty4DtR #RealEstate #PropertyInvestment #MarketInsights #Investorkit

Case Study: Strategic Career Transition Background Our client, a Senior Executive at a multinational corporation, was headhunted for a CEO role at an ASX-listed company. Leveraging Aadil’s HR consulting background, we combined career and financial planning to align this opportunity with the client’s professional and personal goals. Rational Considerations We analysed a complex remuneration package and negotiated key enhancements: • Higher Base Pay for immediate stability. • Guaranteed STI Bonus to offset shares left behind. • 50% Total Compensation Increase compared to the current role. Emotional Considerations The transition came with risks and rewards, so we explored: • Risk vs. Stability: Aligning the role with long-term career goals. • Career Purpose: Ensuring the role reflected their values. • Best Life Strategy: Balancing influence and fulfilment. We also provided Resignation Coaching for a smooth exit and are now crafting a 90-Day Onboarding Plan to set them up for success. Outcome The client confidently transitioned into the role, advancing their career and financial position while staying true to their vision of a fulfilling life. Ready to Make Your Next Move? If you’re navigating a career transition, we’re here to help. Let’s work together to align your career and financial strategy for a fulfilling future. Contact us today! #CareerGoals #FinancialPlanning #LiveYourBestLife

"Intellectual Wellbeing: Lifelong Learning & Financial Growth 📚" Intellectual wellbeing is about continuous learning, personal growth, and embracing new challenges. A solid financial foundation gives you the freedom to invest in yourself—whether it’s pursuing further education, learning new skills, or exploring a passion. At Own Financial Planning, we ensure that your financial plan reflects your thirst for knowledge. Whether it’s saving for a course or investing in professional development, we’ll help you build a plan that funds your intellectual pursuits. After all, growth in your finances should match growth in your life! #IntellectualWellbeing #LifelongLearning #FinancialGrowth #GoalsBasedAdvice #OwnFinancialPlanning

🏡 Thinking About Buying Property with Your Siblings? Here’s What You Need to Know Teaming up with a sibling to buy property can be a great way to enter the market sooner, but it’s essential to understand both the advantages and the potential pitfalls before making this big decision. Pros: ✅ Shared Financial Load: Pooling resources with family can help cover the deposit and reduce the burden of mortgage repayments. ✅ Access to Better Properties: With combined purchasing power, you might be able to afford a property that would be out of reach individually. ✅ Future Investment Growth: Real estate is a popular long-term investment, and joint ownership can provide you both with potential growth over time. Cons: ⚠️ Different Goals & Timelines: You and your sibling might have different life plans—one might want to sell in five years, while the other prefers a longer hold, leading to potential conflicts. ⚠️ Complex Financial Arrangements: Deciding who contributes what and how to handle ongoing costs can get tricky, especially if one party faces unexpected financial challenges. ⚠️ Potential Impact on Personal Relationships: Disagreements around property management, renovations, or finances can strain even the closest sibling relationships. Buying property with family is a big commitment that should be approached carefully. Seeking advice early can help you make an informed decision, set up fair agreements, and navigate the complexities of co-ownership. Considering a joint purchase? Reach out for guidance on structuring your investment and protecting your financial future—without risking family harmony. #RealEstateAdvice #SiblingPropertyPurchase #FinancialPlanning #PropertyInvesting #OwnFinancialPlanning #AskForAdvice