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Tag: borrowing capacity

June 13, 2022Daniel Moradian

Interest rates and asset values

In an article posted a little over 12 months ago, Inflation watch, I described the bond market as the “all-seeing eye”, noting that the bond market was signalling a potential incoming spike in inflation. The events of late 2021 and early 2022 have justified the bond market’s concerns. What now? As an investor, what sort […]

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November 12, 2019January 26, 2021Daniel Moradian

Buying your first home – Part 1 of 2

Let’s settle the age old debate. Home ownership or smashed avo and bottomless mimosas? Young Australians are becoming more frugal these days and it excites me to say that financial literacy is improving. However, home ownership rates in Australia reached an all time low in 2016 and unfortunately, this trend is getting worse. But we’re […]

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Please see the disclaimer on the website in the bio. This is a financial literacy page, the contents of which are for educational purposes only. I am not interested in your money and I will never share affiliate links for personal gain, nor do I recommend any particular financial product or investment strategy.
Please see the disclaimer on the website in the bio. This is a financial literacy page, the contents of which are for educational purposes only. I am not interested in your money and I will never share affiliate links for personal gain, nor do I recommend any particular financial product or investment strategy.
Please see the disclaimer on the website in the bio. This is a financial literacy page, the contents of which are for educational purposes only. I am not interested in your money and I will never share affiliate links for personal gain, nor do I recommend any particular financial product or investment strategy.
Thanks to some shitheads dancing around on TikTok and cringey finfluencers posting affiliate links for personal gain, I need to disclaim everything on the page or potentially face large fines. Please see the disclaimer on the website in the bio. This is a financial literacy page, the contents of which are for educational purposes only. I am not interested in your money and I will never share affiliate links for personal gain, nor do I recommend any particular financial product or investment strategy.
Died and came back to life sorry xx
There's another, *super dry* reason it's unwise to assume 4% as anything other than a rule-of-thumb. Sequence risk is the risk that a really unluckily-timed withdrawal damages your portfolio in the long run. For example if the market tanks 50% in one year because of idk ww3 or something, withdrawing 4% will take a bigger chunk out of your portfolio than usual and so in that case you wouldn't be sustainably taking money out of your portfolio
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