Total Money Management

Helping everyday Australians take control of their finances through stock market education. Founded by investors, not influencers with 25 yrs experience

[Total Money Management @tmmaustralia]

Living costs rose again. The driver wasn't groceries, it was mortgage interest, up 8.2%. Averages hide a lot, two households on the same income can feel very different pressure. Our take below. Not financial advice. TMM | AFSL 568642

[Total Money Management @tmmaustralia]

One Nation proposed letting Aussies take super as cash now. Chalmers rejected it within a day. The real story: cash now vs compounding later, one of the hardest trade offs. Our take below. Not financial advice. TMM | AFSL 568642

[Total Money Management @tmmaustralia]

Rates just hit 4.6%, the highest in 15 years. Fourth hike this year. The real risk isn't one repayment, it's resilience wearing thin after four resets. Our take below. Not financial advice. TMM | AFSL 568642

[Total Money Management @tmmaustralia]

When markets overheat, you see bankruptcies, easy money, and operators who don't know what they're doing getting rich. It's a cycle that always ends with the public bailing them out. Education only. Not financial advice. AFSL 568642 #MarketCycles #Finance

[Total Money Management @tmmaustralia]

Market cycles and mean reversion are often forgotten. The longer a trend continues, the less likely people think it will reverse – making its eventual reversal even more dramatic. Education only. Not financial advice. AFSL 568642 #MarketCycles #InvestingTips

[Total Money Management @tmmaustralia]

No oil means raging inflation, just like the '70s. Add economic sanctions, and citizens face less food and water, leading to riots. On the markets, oil stocks are soaring, but it feels unethical to celebrate gains. #GlobalEconomy #OilPrices

[Total Money Management @tmmaustralia]

Losing 10% of your investment means you need to gain 11% just to break even. A 50% drawdown requires doubling your money. Holding cash can prevent years of playing catch-up in volatile markets. #Investing #FinanceTips #MarketAnalysis

[Total Money Management @tmmaustralia]

The US stock market has doubled since 2023, showing incredible growth of 24% in '23, 27% in '24, and 17% this year. Even with high CAPE ratios, it's tough to cut back when the market keeps soaring. Education only. Not financial advice. AFSL 568642 #StockMarket #Investing

[Total Money Management @tmmaustralia]

Petrol at my local station jumped 12 cents a litre overnight. It appears we are heading toward a second crisis with oil prices rising and oil supplies falling. The best way to get revenge is to consider buying oil stocks:)

[Total Money Management @tmmaustralia]

@FinancialReview Lots of our clients are doing the same. Bit of a no brainer when you realise that the superfunds are not doing anything special

[Total Money Management @tmmaustralia]

That's the reminder every earnings season delivers: a headline number tells you where the middle is. It doesn't tell you what happened underneath.

This newsletter is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642.

[Total Money Management @tmmaustralia]

Only 24% of ASX 200 companies beat expectations this reporting season. Another 25% missed. Just over half came in broadly in line.

Yet the index still rose 1.6% for August.

[Total Money Management @tmmaustralia]

3.82%. That is the expected yield on the S&P 500. Given the CAPE is over 40, your chances of losing money in chasing a mere 3.82% is a terrible investment. Bonds are currently paying around 5% with no duration risk, so that makes the S&P 500 earning yield even more unattractive.

[Total Money Management @tmmaustralia]

Free masterclass coming September 30 on building a portfolio that holds up either way. Details soon.

https://t.co/XHpuxxV6Eo

This video is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642

[Total Money Management @tmmaustralia]

House prices down five months straight. Oil at its highest in months. Two pressures hitting your budget at once, and most people are only seeing the headlines, not what they actually mean for their own numbers.

[Total Money Management @tmmaustralia]

This week's update breaks it down, plus what's inside this week's Signals & Noise Premium: the property maths against wages since 1981, a strategy that's beaten buy and hold since 2000, and how stretched the US market really is right now.

[Total Money Management @tmmaustralia]

Australia faces tough geopolitical calls. Immigration is a hot topic, fueled by housing concerns and a political tug-of-war between business needs & public mood. Education only. Not financial advice. AFSL 568642 #Geopolitics #Australia #Immigration

[Total Money Management @tmmaustralia]

This newsletter is for informational purposes only and does not constitute financial advice. Total Money Management | AFSL 568642.

[Total Money Management @tmmaustralia]

The pattern of August reporting season: companies that beat last year but sounded cautious about the next were punished. Companies that just came in line, but pointed to a visible path forward, were rewarded.

[Total Money Management @tmmaustralia]

It's a useful reminder about how markets work. They aren't grading a report card. They're pricing in the story management tells about what comes next.

That's true at the company level. It's also true at the household level.