Book a call
Book a call

Savings Tips


Most people carry a lot of debt and very little savings. The goal is just the opposite: You should save 15% of your pretax income via super contribution, and an additional 20%–25% of your after tax income. #savings#investment#coffee#homeloan#budget The key is to make a budget and stick to it.

I have a always lived on a strict budget 50% of my after tax income goes to my mandatory household bills: Mortgage, car payment, utilities, etc. I then try to save on the things I buy consistently like petrol, groceries, household stuff, and major purchases and investing that money.

For example, by not spending $10 a day for lunch or overpriced coffees you’ll save $200 a month. At the end of 12 months, you’ll have $2,400. If you save an additional $50 every month, you’ll end up with $3,000. Big deal right? Not impressed? Imagine you are a making a higher level of income, and multiple your savings amount by 10 to $2,500 a month. That’s a $70,000 difference! Imagine that. That can be the deposit on your new home.

Call me on 0425 341 086 to discuss your investments and home loan. Read similar articles on Facebook.








A valuation report is a professional and legal assessment of the value of your property prepared for many different purposes. #Mortgage #Valuation #homebuyer #homeloan

Here are the most common reasons:

  1. Mortgage/refinancing
  2. Before-You- Sell: price/reserve setting
  3. Before-You- Buy: to ensure you buy good value
  4. Insurance replacement cost
  5. Divorce or business dissolution
  6. Capital gains tax calculations
  7. Stamp duty calculations when transferring property ownership
  8. Estate/probate proceedings
  9. Rental determination
  10. Portfolio reviews
  11. Current or retrospective market value

Read more on different values for the same home and other posts on LinkedIn.







Everyone feels the need to have a home but buying or building a brand new property might be hard for some. Buy what you can afford and over time you can work on a renovation schedule that turns the house into a great home. #FirstHome #Renovation #NewHome #Mortgage #Investment

“The current new home building boom is unlike any other that has come before it. It is the longest and largest in Australia’s history and has provided an unprecedented economic boost to the nation, without which domestic demand would be in or close to recession,” HIA chief economist Harley Dale said.

But as new home construction is expected to bottom out, HIA’s national outlook predicts a recovery in renovation work. Buying a rundown home that is in need of a little TLC makes a smart investment.
Contact Madhu on 0425 341 086 for a mortgage calculator and for investment and mortgage advice .

Read more on LinkedIn and Facebook.

Financial-AdvisorYou can plan your finances using an App these days.

Technology has eroded the reasons for people to seek the help of a financial advisor, it has also created new opportunities for advisors to reach more people through social media.

Firms have embraced technology but have failed to see significant rewards because

1.Their website brings in visitors but converts few clients

2.They use social media but see little engagement

For advisors to get the most from their online social profile they need to focus on

1. Their predefined target client type

2. Focus on providing value

3. Develop a re-marketing process
Discuss your views at

Investor mindset in Australia and India

Map of Australia with Australian money dollar notes.

Finance in Australia is backed by social security

Australia is called the ‘lucky’ country. It’s been rich enough to fund a social security system, which has allowed its regulators to implement a long-term vision for its pension savings. It has been able to raise the compulsory minimum contribution to superannuation from 3 per cent to 9.5 per cent. This has led to many regulatory changes, thereby guaranteeing not only a steady pipeline of funds under management for the industry but also enough complexity for the advice industry to be in demand. Investors have trusted the industry, sticking to default options of their superannuation plans, probably a little complacent with the belief that they can rely on the age pension if their super falls short.

In India, you would think the sheer size of the population should ensure a steady supply of customers. But nothing is as it seems here. Having grown up in an era of scarcity and with no social security to fall back on, Indians are comfortable with the certainty of fixed term deposits and brand of government-owned Life Insurance Corporation. They don’t trust the stock market, directly or through mutual funds, because of volatility and scams.

The asset management companies and distributors keep squabbling about whose job it is to educate the intermediaries or the investors. In fact, I find one theme pervasive through the industry – that of short-termism. Everyone wants to make money in the short-term, thinking they will do better when the market is ready.

The question I have for leaders in the Australian industry is – what would they have done if they were operating in Indian conditions? Tell me your opinion and thoughts.