In the Media

Let's Talk Your Future with Super

Proactive Investors New - 21 Oct. 22

Dale Gilham from Wealth Within discusses investing in yourself and how to prepare your retirement plan. Let’s face it — we all want to retire on a comfortable income and research suggests that for a couple to retire comfortably they need $640,000 or $545,000 for a single. Yet the research also indicates that the average Australian is retiring on much less with men under $180,000 while for women it’s under $140,000. This means that many Australians will need to either work longer before they can retire or live a less-than-comfortable retirement, as they will potentially run out of money before they run out of time. According to the ABS, the life expectancy of males has risen to just over 81, while for females it’s 84, however, by the end of this decade, it will rise to 82 for males and 85 for females. If the average couple retires at 65 with $320,000 in superannuation, and assuming they live for 17 years in retirement, it means they will have approximately $18,800 per year to live on. It is frightening to think how the average Australian will cope in retirement, especially when this could have been avoided...

How to Bullet-Proof Your Portfolio

Australian Financial Review - 19 Oct. 22

According to chief analyst of Wealth Within, Dale Gillham said "Being happy with a portfolio (particularly when holding speculative shares in a declining market) is never a good strategy, says Dale Gillham, chief analyst at share trading educator Wealth Within, as it leads to a false perception that everything is fine when it is not. With shares, he says, it is important to be aware that managing a portfolio is a fluid pursuit and stocks will ebb and flow depending on market conditions. Look at a portfolio return in a global sense and this means the total portfolio and not just individual stocks. You also need to include the cash available to place into the market other returns are distorted...

Magic Formula Investing - How Does it Work?

Canstar - 10 Oct. 22

Have you heard of magic formula investing? Janine Cox Senior Investment Analyst from the Wealth Within explains what it is and how you can use it. Let’s face it, if a magic formula existed to profit from the stock market everyone would be using it. There have been many claims about magic formulas in the stock market. The perception of investors is that a magic formula would make investing easy, but who stands to benefit most from these claims? It’s unlikely to be investors. The greats of the stock market include Warren Buffett and Charlie Munger, and I would suggest that most investors would love to achieve what Warren Buffett and Charlie Munger have. Indeed, many have tried to emulate their approach and dare I say have there are more than a few that have been unable to replicate the results...

FIVE at FIVE AU: Travel Sector Crashes, but There’s Blue Sky Above; Investors Fear Recession is Coming

Proactive Investors New - 26 Sep. 22

Wealth Within analyst Dale Gillham looks ahead to what we might expect from the ASX. “The All Ordinaries Index ended last week down 2.79% as it fell to 6,756 points, which is just below the target level I had for the fall at 6,800 points. The events of the past couple of weeks are a reminder that no matter how much analysis we do, the market is always in control and will do what it wants rather than what we might think. This is also a stark reminder for investors not to get hung up on expert opinions, as no one is 100% correct. “While I previously indicated that the market may rise, I also urged investors to be careful, as it was still possible it had not stopped falling, which we now know is the case. This is also why I have continued to recommend investors wait for confirmation before buying. ..

Watch Out for Crash in Index ETFs

Money Management Powered by FE - 12 Sep. 22

Index exchange traded funds (ETFs) are heading for a crash in the future as there is snowball effect of investors moving into these assets. Dale Gillham, chief analyst at Wealth Within, said investors were likely to seek higher returns in a down market and could move into index ETFs at an “alarming rate”. This was likely to lead to a snowball effect and could then lead to a crash if investors subsequently tried to exit them at a similar rate at a later date. “My prediction is that over the next few years, we will see a snowball effect of money moving into index ETFs at unprecedented levels, as well as investors borrowing heavily to invest in these funds,” he said. “This will significantly increase the speed of the snowball effect, which will be alarming in years to come. Many of you may remember during the Global Financial Crisis, there were major concerns around index funds with many investors deserting them in droves after they fell heavily...