Timothy Boxsell

Husband, Fitness and Health Enthusiast, and Financial Adviser, CFP®, B.Fin(FP), SMSF Specialist Advisor™/ SSA®

[Timothy Boxsell @Fin_Poet]

The situation could not be put more simply.

[Shane Oliver @ShaneOliverAMP]

Aust Govt is right to address intergen equity. The top 3 ways to do this though are:
1/ cut gov spending & deregulate to take pressure off inflation
2/ raise the GST & slash income tax
3/ get the housing balance right - lower immigration and make it easier to supply more homes

[Timothy Boxsell @Fin_Poet]

Just start investing and don't tell anybody. Then show up 10 or 15 years later with a huge war chest and shove it up their ass.
Chamath Palihapitiya
https://t.co/mYDq1RgkIH

[Timothy Boxsell @Fin_Poet]

@InvestInAssets New era without Buffet at the helm!

[Timothy Boxsell @Fin_Poet]

@Invested_In_You This is what traditional advice teaches. But, looking at the wealthy, safe leverage/debt is the key to building wealth. Buying appreciating assets with other people's money and slowly inflating the debt away over time is the key to wealth.

[Timothy Boxsell @Fin_Poet]

@Bitcoin_Teddy Hmm, if it was only that simple. Your 4% income is being inflated away, so your purchasing power in 10-20 years will have suffered immensely.

[Timothy Boxsell @Fin_Poet]

@TomBilyeu Personally, I get stuck in conversations with AI. I am still working through whether this is a good thing or not. I still need to fact check with books and academic journal articles.

[Timothy Boxsell @Fin_Poet]

@BarbellFi If you are young, living in a high priced real estate market, like Sydney, Hong Kong or New York, the real estate portion is likely higher! Many in these scenarios will get the house first, then redraw on the equity over time to diversy into other assets.

[Timothy Boxsell @Fin_Poet]

@buccocapital It's conviction and certainty thats is required when investing. Some may get this from AI, but others will need human interaction and a financial adviser for this. I don't see advisers going redundant for a long time!

[Patrick Bet-David @patrickbetdavid]

15 things money can’t buy:

1. Your Kids SEEKING your company when they’re adults and no longer need your financial help.

2. The first time you experience someone believing in YOU

3. The moment you find leaks in your way of thinking. This is a sign that life is about to improve if you choose to make the changes.

4. Being missed for who you are, not what you provide.

5. The look someone gives you who trusts and loves you.

6. Genuine respect from loved ones and enemies.

7. The ability to sleep calmly after making a big decision.

8. A night of laughter with friends and family that lasted hours.

9. A sincere apology given or received. Received feels better, but given strengthens the right relationships.

10. Someone praying for you without you asking for it.

11. Character under pressure.

12. A spiritual relationship with God.

13. Being misunderstood for A VERY LONG TIME until people come back saying you were fair and right. (This one is priceless)

14. Having footage of people you love who are no longer here. To be able to hear their voice and their mannerisms is priceless + comforting.

15. Inner peace in the wake of being in a chaotic phase of your life.

These are in no specific order.

Future looks bright.

[Timothy Boxsell @Fin_Poet]

@TomolaGroup The numbers say otherwise. In most scenarios, regardless of age, 100% globally diversified stock portfolio, outperforms any other mix of assets. It's a lot of volatility, so i usually recommend dialling down to 70-80% stocks in retirement.

[Timothy Boxsell @Fin_Poet]

Most managers confuse "Excellence" with hitting metrics.

​Brad Stulberg argues it's actually about meeting 3 core needs:

1. ​Autonomy (Agency)
2. ​Competence (Growth)
3. ​Belonging (Safety)

​Fix the environment, fix the performance.

https://t.co/DNCYVHy6R9

[Timothy Boxsell @Fin_Poet]

@ServoWealth You could probably simplify and just add small caps to increase alpha over the index. Just depends on your comfort level of volatility.

[Timothy Boxsell @Fin_Poet]

Inflation has come in at 3.8% to December 2026. Fixed rates are now above variable rates at most banks.

[Timothy Boxsell @Fin_Poet]

Fixing isn't a gamble on the RBA; it's a hedge.

​The Asymmetric Bet:
Rates Hike? I protect cash flow.
Rates Cut? I pay a premium, but asset prices rip higher on cheap money. Equity gains offset the interest cost.

​10yr yields rising + sticky inflation = Time to buy insurance.

[Timothy Boxsell @Fin_Poet]

https://t.co/UskEAr2zlc

[Timothy Boxsell @Fin_Poet]

@DavidPocock There is trial batteries across the ACT, such as in Denman Prospect. Any data on the results of these? Information is very limited online and would be interesting to see if they will result in lower energy prices.

[Timothy Boxsell @Fin_Poet]

@BenPhillips_ANU Probably true. Although, psychologically, for many illiquidity is a fail safe to spending.

[Timothy Boxsell @Fin_Poet]

@TheRealEstateG6 Its a multitude of issues. Some are conditioned to only save, and flicking the switch to consumption can be very difficult. Others simply don't understand money and investing, and hence don't know how much they can safely spend. It's very nuanced.

[Timothy Boxsell @Fin_Poet]

Inflation is a silent killer. It compounds against you slowly in the background without you seeing it. It's only when you zoom out a few years do you realise!

[Peter Mallouk @PeterMallouk]

Inflation is the silent thief.

Over the last 30 years, it cut the value of $1 in half.
But $1 invested in the S&P 500 became $18 – AFTER accounting for higher prices.

That’s the power of ownership.

[Timothy Boxsell @Fin_Poet]

@sweatystartup Very bold statement. I thought the same thing about the S&P500 at all time highs, but continues to run. Prudent to maybe trim some exposure back. Time will tell.

[Timothy Boxsell @Fin_Poet]

@theficouple Maybe hedge your bets, invest 50% and pay-off the mortgage with 50%. I get FOMO if the markets runs!

[Timothy Boxsell @Fin_Poet]

@markbouris As what Tony Robbins says, you get rewarded for what you practice in private. Quite discipline is rewarded.