personal-finance
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The Hidden Flaw in FIRE: Why the Journey Matters as Much as the Goal
For years, I was all-in on the FIRE movement—Financial Independence, Retire Early. Like many others, I craved ultimate freedom: no bosses, no stress, no rules. I wanted to wake up on my own terms, do what I love, and never worry about money again. So I did what most FIRE followers do: cut costs aggressively, Continue reading
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Why I’m Giving Sigma Healthcare (ASX:SIG) a Go — Even as an Index Advocate
Earlier this year, Sigma Healthcare (ASX:SIG) completed its long-anticipated merger with Chemist Warehouse, creating one of Australia’s largest pharmacy retail and wholesale groups. The merger was officially implemented on February 12, 2025, with the new Sigma shares trading on the ASX from February 13, 2025. You can check the stock here: Sigma Healthcare (ASX:SIG) on Continue reading
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Life Insurance Bonds in Australia: A Complete Guide for Tax-Effective Investing & Estate Planning
For Australians seeking tax-effective ways to build wealth outside superannuation, Life Insurance Bonds (or Investment Bonds) are a powerful but often underutilised tool. With benefits including tax-paid investing, simplified estate planning, and flexible access, they offer unique advantages for long-term investors. In this article, we’ll explain exactly how life insurance bonds work in Australia, their Continue reading
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Investing Is a Long Game: Buy Quality, Diversify, and Let Time Do Its Work
In a world where instant gratification is the norm and market updates hit your phone every five minutes, it’s easy to forget one of the golden rules of investing: patience pays. At Fivesting, we believe that successful investing isn’t about chasing the hottest trends or timing the market perfectly. It’s about owning quality assets, diversifying Continue reading
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Why You Should Pay Attention to Your Super — It’s Your Money After All
When thinking about your financial future, your superannuation is often one of the most overlooked assets — but it shouldn’t be. Even though it may feel like money that’s locked away and out of sight, your super is your money. One day, once you meet a condition of release (such as reaching retirement age), you’ll Continue reading
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🧭 Building a Balanced Portfolio with Just 4 ETFs: My Strategy Explained
Creating a balanced investment portfolio doesn’t have to involve a dozen different assets. With just four carefully chosen ETFs, you can achieve diversification across sectors, asset classes, and risk profiles. In this article, I’ll walk through the four main ETFs I’ve selected and how they work together in my portfolio: IVV, VTS, GOLD (ASX), and Continue reading
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How to Use a Family Trust to Own ETFs and Index Funds
When you’re serious about building long-term wealth, one of the most powerful and flexible tools available is the family trust—also known as a discretionary trust. While often associated with business owners or high-net-worth families, a trust is increasingly being used by everyday investors to hold simple investments like ETFs and index funds. In this article, Continue reading
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Turn Your Home into a Wealth-Building Asset: The Smart Strategy of Renting Out Spare Rooms
If you’ve recently purchased your own home but still have a few empty rooms—maybe you don’t have a family yet, or you’re just starting out as a young couple—those unused spaces might be quietly costing you money. But what if they could help you make money instead? At Fivesting, we believe in making your assets Continue reading
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Watch Your Expenses Like a Business: A Leaner, Smarter Approach to Personal Finance
If you’ve ever worked in a business—or even just followed business news—you’ll know that one of the first things a company does during tough times is cut costs. Not recklessly, but strategically. They trim the fat, streamline operations, and focus on what’s essential. The goal? Stay lean, stay efficient, stay strong. Now, why not do Continue reading
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Treat Your Portfolio Like a Business: Why Refinancing Should Be Part of Your Strategy
Lower your rates, unlock equity, and build a resilient portfolio — one finance review at a time. If you’re a property investor with multiple loans, you’re running more than just a collection of assets — you’re running a business. And like any successful business, your portfolio needs regular financial check-ins to stay profitable, cash-flow positive, Continue reading
About Me
Welcome to my finance blog! I’m delighted to have the opportunity to share my knowledge and passion for finance, investing, and achieving financial freedom with you. Let me introduce myself.
My journey in the world of finance began when I arrived in Australia at the age of 18. I pursued my Bachelor of Finance at Deakin University, followed by a Master of Professional Accounting at Monash University. Seeking to enhance my expertise, I also completed a Diploma of Financial Planning and I am now pursuing my CPA studies. Throughout my academic journey, I developed a deep fascination for finance and investing.
I commenced my professional career at Commonwealth Bank, where I had the privilege of working in their financial planning department. During my six years with the bank, I gained invaluable experience and insights into providing comprehensive financial advice to clients. This role enabled me to deepen my understanding of wealth management and solidify my commitment to assisting individuals and their families in achieving their financial goals.
Building upon my experience, I have since transitioned into the role of a Wealth Strategist. As a Wealth Strategist, I provide unbiased advice to high-net-worth individuals and their families, utilizing my expertise in financial planning, investment strategies, accounting and wealth preservation.
Alongside my professional pursuits, I am an avid investor in shares, particularly through index funds and ETFs, as well as a property investor. These personal experiences have allowed me to explore various avenues for wealth creation and further sharpen my understanding of the financial landscape.
Beyond my professional and investment endeavors, I find great solace in reading about Buddhism philosophy and practicing meditation during my free time. These practices have instilled in me a sense of mindfulness, balance, and a holistic approach to life.
Through this blog, I aim to share my knowledge, insights, and practical tips to empower you on your own financial journey. Whether you are starting your wealth-building journey or seeking to optimize your financial strategies, my goal is to provide valuable information and guidance to help you achieve financial freedom and live a meaningful life.
Thank you for joining me on this exciting path toward financial empowerment. Together, let’s navigate the world of finance, unlock opportunities, and create the future we envision.
Recent Posts
- Bitcoin: Digital Gold or Just Hype? A Beginner’s Perspective on a Complex Asset
- The Hidden Flaw in FIRE: Why the Journey Matters as Much as the Goal
- Why I’m Giving Sigma Healthcare (ASX:SIG) a Go — Even as an Index Advocate
- How Property Investors Use Trusts & Companies to Unlock More Borrowing Capacity
- Life Insurance Bonds in Australia: A Complete Guide for Tax-Effective Investing & Estate Planning
Fivesting 