One of the first things you need to do before making any investment decision is determine your Risk Profile. You Risk Profile is an assessment of how much risk you are prepared to take or accept when investing in an asset.

Gearing is a ratio or measurement that compares the equity of a business (or person) against the debt they have. This ratio shows how much of your activities are funded by equity versus debt. It is also a measure of your financial stability.

Almost everyone is interested interest rates whether it be how much you are paying on your mortgage or how much you are receiving on your term deposit

You often read in the media about someone who is a millionaire or maybe even a billionaire. What does this mean and is this important or not?

The most important thing to understand with investment decisions is the concept of risk versus return. This concept very simply states that the investment return on an asset is linked directly to the amount of risk associated with that asset.

I think that everyone should learn basic finance at school (along with learning about nutrition and food, but that is for another day……). Why learn about finance, I hear you say?

The world is awash with acronym’s and the financial sector is no exception with GST, IRD, ACC, PAYE, FBT, EBIT, EBITDA, NPBT, NPAT, EBITDAC, UOMI, FOREX, CAPEX, OPEX, EPS, NTA, NPV, ROA, PE, MTD, YTD…the list goes on and on but my favorite one is KPI’s……

The purpose of my blog is to keep you informed of things that I have learned and come across over the years that have helped me both personally and in business.