https://www.reformedadviser.com.au/news daily 0.75 2021-07-14 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445932984567-5W7LLV21DTJ636QFQ3G5/%D0%91%D0%B5%D0%B7-%D0%B8%D0%BC%D0%B5%D0%BD%D0%B8-1.jpg Blog https://www.reformedadviser.com.au/news/2015/10/28/tax-loss-harvesting-in-australia monthly 0.5 2018-02-06 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1487179991626-BFFJC1SIU5ANUYJCBCDN/image-asset.jpeg Blog - Tax Loss Harvesting in Australia https://www.reformedadviser.com.au/news/2017/1/7/how-to-prioritise-your-spending-something-all-grown-ups-should-see monthly 0.5 2017-11-24 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1511505999603-YPCYP3SJ6U3T1A2W09ZN/pexels-photo-401683.jpeg Blog - How to Prioritise your spending https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1486402337253-T8I4R3U7G59JHBIV19MP/Flow_Chart+-+Page-1.png Blog - How to Prioritise your spending https://www.reformedadviser.com.au/news/2017/2/15/the-7-habits-of-highly-effective-investors monthly 0.5 2017-04-24 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1487179491231-RC633WERQAUDXUV6NSI7/image-asset.jpeg Blog - The 7 Habits of Highly Effective Investors https://www.reformedadviser.com.au/news/2017/3/17/using-super-to-pay-for-ivf monthly 0.5 2018-02-06 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1489939321893-UBX222LUFHZ00E46A49W/David+Pereira Blog - Using Super to pay for IVF https://www.reformedadviser.com.au/news/2017/4/24/australian-index-funds-outperform-active-funds-year-ending-2016 monthly 0.5 2018-02-06 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1493021500194-N6O3BL72JF024OS562K2/image-asset.png Blog - Investing: Active Vs Index - Index beats most over 10 years https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1493021835516-JWMUY5LHUWJ606A1P68C/image-asset.png Blog - Investing: Active Vs Index - Index beats most over 10 years https://www.reformedadviser.com.au/news/2017/4/24/how-to-treat-your-home-as-your-home-even-after-you-move-out-and-avoid-cgt monthly 0.5 2018-02-06 https://www.reformedadviser.com.au/news/2018/1/11/how-to-retire-overseas-on-the-aged-pension monthly 0.5 2018-01-11 https://www.reformedadviser.com.au/news/2021/7/14/stockspots-apples-to-oranges-view-investments-bonds monthly 0.5 2021-07-16 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1626334018068-JVDV0XQ40SUJNZPX67NQ/Image+7.png Blog - Stockspots Apples-to-Oranges view on Investments Bonds - ‘Apples to Apples’ comparison In this graph, I have modelled a Vanguard 80/20 portfolio vs Stockspots Topaz portfolio. Both portfolios are on an after fee before tax basis. To create the scenario, the Vanguard 80/20 portfolio holds: 50% Vanguard Growth Index Fund (which is a 70/30 fund) 50% Vanguard High Growth Fund (which is a 90/10 fund) As you can see, based on the headline rate, you would be better off in this Vanguard portfolio over Stockspots Topaz. As an FYI, I am not recommending either portfolio, I’m simply presenting it for illustrative purposes only. https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1626249411469-37NA8QJ9Z5QSDLO6NRMZ/Image+4.png Blog - Stockspots Apples-to-Oranges view on Investments Bonds - They’re not wrong – MLCs performance sucks The blue line is my recreation of the ETFs used in the Stockpot Topaz portfolio. The green line is the MLC Horizons 5 Portfolio held within Generation life The Topaz portfolio smashed the performance of the MLC Fund. Keep in mind the performance reported for Topaz does not include any income tax or capital gain tax events. The MLC fund held within Generation Life however have built in their tax provisions into graph.. https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1626248782762-MAVBIPHMR3S7LZ70ITY0/Image+5.png Blog - Stockspots Apples-to-Oranges view on Investments Bonds - Asset Allocation Based on the data available on the Stockspot website, I recreated and backtested a portfolio made up of the ETFs listed in the Treemap. The portfolio is an interesting one - it’s passive in nature as each option tracks an index, however, they have an active overweight allocation to Emerging Markets (22%) compared to 10% in the iShares Global 100 portfolio. I’ve rarely seen a portfolio with such a large exposure to gold (14%) - Ray Dalio’s All Wealth Portfolio sits at the highest I’ve seen at 7.5%. I can however appreciate that the returns of government/corporate bonds are pretty poor, and gold does play a great inflationary hedge. From experience, most fund managers would not have such a large percentage in Emerging markets especially considering that North America (U.S. and Canada) makes up 70% of the World index by market capitalisation. Interestingly the 5-year performance of the Ishares Global 100 outperformed the other options in the portfolio (next chart) https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1626246885055-5WIEBC4PAR9BW5I7139W/Image+2.png Blog - Stockspots Apples-to-Oranges view on Investments Bonds - Performance before/after tax The figures used on Stockspots performance are before tax, while the unit prices used to calculate the rate of return for the Investment Bonds are after applying a 30% tax rate. https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1626333706367-WWZ79AALWPNGZVYGRNTN/Image+6.png Blog - Stockspots Apples-to-Oranges view on Investments Bonds - Investment Choices matter If you invested in the MSCI World Index through Generation life (top 1500 companies worldwide ex Australia) which is represented by the Vanguard International Share fund held within an Investment bond you would have outperformed the Topaz portfolio. Keep in mind I have not factored in CGT/income tax into the Topaz portfolio, while the investment bond returns are reported on an after-tax basis. https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1626246289100-L839OXUELQMJV5R74DWN/Image+1.png Blog - Stockspots Apples-to-Oranges view on Investments Bonds - Apples to Oranges When comparing funds, its best practice to compare “like for like” options. In their scenario, they have compared the stockpot Topaz portfolio to the Generation Life MLC Balanced fund. There were a number of permutations that could have been picked within generation life that results in a Growth portfolio, and MLC Horizons 5 had the lowest track record. This isn’t the case with all options analyised, for example the KeyInvest and IOOF portfolios used an 80% growth portfolio https://www.reformedadviser.com.au/news/category/Popular monthly 0.5 https://www.reformedadviser.com.au/news/category/Investing monthly 0.5 https://www.reformedadviser.com.au/news/category/financial+advice monthly 0.5 https://www.reformedadviser.com.au/news/category/Cash+flow monthly 0.5 https://www.reformedadviser.com.au/news/category/financial+advisor+perth monthly 0.5 https://www.reformedadviser.com.au/news/tag/financial+planning+101 monthly 0.5 https://www.reformedadviser.com.au/news/tag/Get+your+Sh*t+together monthly 0.5 https://www.reformedadviser.com.au/news/tag/Tax+Loss+Harvesting monthly 0.5 https://www.reformedadviser.com.au/news/tag/Cash+flow+management monthly 0.5 https://www.reformedadviser.com.au/news/tag/Aged+Pension monthly 0.5 https://www.reformedadviser.com.au/news/tag/financial+advisor+Perth monthly 0.5 https://www.reformedadviser.com.au/news/tag/Age+Pension+while+overseas monthly 0.5 https://www.reformedadviser.com.au/home daily 1.0 2017-11-15 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1486528326831-ZA1UX5XSR65WAGQ6F3C9/4.png Financial Advisor Perth - Expert advice based in Perth WA Attribution: CC v4 0 Carl Richards https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1485277018701-5KABTAPQD8RLWLEEKZ01/Bell_tower_night%2B%281%29.jpg Financial Advisor Perth - Expert advice based in Perth WA https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1444222031175-RNGDEHLE1XY5MPZW1PMV/Bell_tower_night+%281%29.jpg Financial Advisor Perth - Expert advice based in Perth WA https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1515397053140-LJGZ2EMVH179ZPIYBYZ1/744e3665db500c609c4dceb70d1e371b.jpeg Financial Advisor Perth - Expert advice based in Perth WA https://www.reformedadviser.com.au/about-us daily 0.75 2023-08-13 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1446561112851-QGPWNJZT677JN0Z0V167/image-asset.png About Us https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1489378783255-0H6NQBT1L1V8MNBLBLD7/image-asset.png About Us https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1446561344725-L55YJVKYA2G9NEDONWQC/image-asset.png About Us https://www.reformedadviser.com.au/who-we-help daily 0.75 2017-01-07 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445324581340-4U7Y7A95RB43QBYUG8NS/image-asset.jpeg Who We Help | Financial Planner Perth Young Professionals 30 - 50 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445324676748-8N612CMNAT2DAK2RPYIR/image-asset.jpeg Who We Help | Financial Planner Perth Retirement 60+ https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445324713221-JI2FJ1KGJDBG0T5YBDTK/image-asset.jpeg Who We Help | Financial Planner Perth Business Owners https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445324629350-7IK4IBGNYS8IYUP2SNZM/image-asset.png Who We Help | Financial Planner Perth Pre-Retirement 50+ https://www.reformedadviser.com.au/contact daily 0.75 2023-10-18 https://www.reformedadviser.com.au/our-process daily 0.75 2017-02-15 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1487146843457-GP4FT0H2WDYQT53CCOFP/the+reformed-logo+%281%29.png Our Process https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445925999709-NRQYW6YT1J6J05JW23M0/image-asset.png Our Process https://www.reformedadviser.com.au/articles daily 0.75 2017-04-24 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1489341868921-H69WHHSGUM25K1YK2EYX/pexels-photo.jpg Cut+Paste (Blog) https://www.reformedadviser.com.au/pre-retirees daily 0.75 2015-11-09 https://www.reformedadviser.com.au/retirees daily 0.75 2015-11-10 https://www.reformedadviser.com.au/young-professionals daily 0.75 2015-12-14 https://www.reformedadviser.com.au/business-owners-1 daily 0.75 2015-11-10 https://www.reformedadviser.com.au/service daily 0.75 2023-08-29 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1447209454650-SR7VPSLJYP63P2QVPABX/4.png What We do Attribution: CC v4 0 Carl Richards https://www.reformedadviser.com.au/self-managed-super-loans daily 0.75 2023-08-29 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1511754893297-LDLHGVK9VMG3DZI3QXVW/pexels-photo-401683+%281%29.jpeg Self Managed Super Loans https://www.reformedadviser.com.au/financialadviceperth daily 0.75 2023-08-13 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1453449082018-URDSJEZ1GMQCKI3Q40VK/image-asset.png First Strategy Meeting with a Financial Adviser Perth https://www.reformedadviser.com.au/bookappointment daily 0.75 2024-04-12 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1453449082018-URDSJEZ1GMQCKI3Q40VK/image-asset.png Sixty Minute Consultation https://www.reformedadviser.com.au/annuities daily 0.75 2023-10-18 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1447209454650-SR7VPSLJYP63P2QVPABX/4.png Annuities https://www.reformedadviser.com.au/gesb daily 0.75 2023-10-18 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1447209454650-SR7VPSLJYP63P2QVPABX/4.png GESB https://www.reformedadviser.com.au/financial-advisor-perth-review daily 0.75 2016-12-13 https://www.reformedadviser.com.au/asktheadvisor daily 0.75 2017-11-24 https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445324676748-8N612CMNAT2DAK2RPYIR/image-asset.jpeg #AskTheAdvisor Retirement 60+ https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445324629350-7IK4IBGNYS8IYUP2SNZM/image-asset.png #AskTheAdvisor Pre-Retirement 50+ https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1445324581340-4U7Y7A95RB43QBYUG8NS/image-asset.jpeg #AskTheAdvisor Young Professionals 30 - 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Book in the 15min Call There is a good chance if your reading this, you’re unsure if a Financial Advisor can help you. If you want to have a quick chat first before going down the rabbit hole, then your welcome to book a 15-minute call with David. Following the call, you will know whether booking in for the 90min Expert Session is right for you https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/1483948964548-SNP895WKV3AACGS9BIVC/image-asset.png Step 1: Build Your Plan https://images.squarespace-cdn.com/content/v1/560a1a13e4b01da928eddbfc/44c710c1-e656-475f-8f9d-89e34b080429/one-page.jpg Step 1: Build Your Plan - Start The Discovery Process If you can’t wait to start working on your financial plan, then you can start the discovery process online and begin building an Asset-Map. 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