Veyron Wealth Group Pty Ltd

13/05/2026

2026 May Federal Budget -

On Tuesday 12 May 2026 the Treasurer Jim Chalmers handed down the 2026-27 Federal Budget, framing some of the more significant announcements as part of a broader plan to help young Australians access the property market.

18/12/2025

https://mailchi.mp/veyron.com.au/merry-christmas-from-veyron-wealth-group

26/06/2025

The Value of Financial Advice?

Many people question the value of financial advice and whether the cost provides value for money. A common sentiment is: “I'm managing today, so I can do it myself.” An analogy I often use is that I could probably service my own car—but I don’t.

I have a new client whose situation is not extraordinary (quite normal/common); however by changing a number of variables, we can add $1,605,000 to their future retirement savings.

In fact, I would argue the benefit could exceed $2.5 million, as the future savings on their home loan would probably not be utilised thoroughly.

The Clients:
Husband (47) – Electrician earning $149,000 p.a.
Wife (46) – Assistant earning $88,000 p.a.
Combined net income: $179,000 p.a.
Three children in private school, with fees currently at $30,000 p.a.
Super balances: $237,000 (husband), $61,000 (wife)
Home value: $1.2 million, home loan: $370,000
Mortgage repayments: $5,866 per month – on track to be debt-free in 7 years

Retirement Goal:
They wish to retire at age 65 (18 years’ time) on:
$100,000 p.a. for living expenses & $20,000 p.a. for travel
Total: $120,000 p.a. (in today’s dollars)

To achieve this, they’ll need:
$2.16 million in today’s dollars or $3.37 million adjusted for inflation in 18 years

They are currently projected to reach $2.846 million, which is $524,000 short of their target (and this assumes they invest future mortgage savings, which probably won't happen).

People don't know what they don't know...

They are currently in industry super funds that have underperformed over the past 3–5 years (too long!). By optimising their super, we can add $500,000 to their retirement savings.

Once the home is paid off in 7 years, redirecting the $5,866/month mortgage payments into super will add another $1.24 million to their retirement savings.

By optimising their cashflow, they are also able to save $2,000/month. Investing this over 18 years will generate approximately $964,000.

The Result:
By optimising their finances, we can increase their retirement savings by $2.7 million.

They are now on track to reach $4.45 million by age 65—$1.08 million above their $3.37 million target.

Not only have we helped them achieve their goal—we’ve crushed it.

This is a powerful example of the value of financial advice.

Book your Free Consultation https://lnkd.in/gGWs6pq4

29/05/2025

The 2025 Andex Chart - https://mailchi.mp/veyron.com.au/the-2025-andex-chart

19/05/2025

Winter Edition - Now & Next Newsletter -

It has been a tumultuous last 3 months, keeping many investors on edge; however we need to reflect on the current state of the markets which saw

21/03/2025

Approaching Deadline to Enhance UK State Pension Benefits

As of April 6, 2025, significant changes to the UK's State Pension system will take effect, impacting individuals' ability to enhance their pension benefits through voluntary National Insurance (NI) contributions.

Current Opportunity to Boost State Pension
Until April 5, 2025, individuals have the unique opportunity to fill gaps in their NI records dating back to the 2006/07 tax year. This extension allows eligible individuals to purchase up to 18 years of missing contributions, potentially increasing their weekly State Pension by up to £113.76, equating to an annual increase of £5,915.92.
The Scottish Sun

Post-April 5, 2025 Changes
From April 6, 2025, the window to make voluntary NI contributions will revert to the standard six-year limit. This means individuals will only be able to make up for gaps in their NI records for the previous six tax years, eliminating the current extended opportunity to backdate contributions to 2006.
GOV.UK

Implications for Eligible Individuals
This change affects approximately six million eligible individuals globally, including around two million in Australia. For instance, Australians can currently purchase a year's worth of NI contributions for approximately $350, which could increase their annual pension by about $700. Over a 20-year period, a UK pension can be worth up to $480,000. After April 5, 2025, the ability to make such extensive backdated contributions will cease, limiting the potential to enhance pension benefits.
The Australian

Recommendations
Review NI Records: Individuals should check their NI records to identify any gaps that could affect their State Pension entitlement.
Consider Voluntary Contributions: Before the April 5, 2025 deadline, assess the benefits of making voluntary NI contributions to maximize future pension benefits.
Seek Professional Advice: Consult with financial advisors or pension specialists to make informed decisions tailored to individual circumstances.

Taking timely action before the April 5, 2025 deadline is crucial for those aiming to optimize their UK State Pension benefits.

17/03/2025

Share markets globally have become more volatile reflecting a combination of slower economic data in the US, moderate growth in China and eurozone and greatly increased geopolitical instability. The whiplash associated with President Trump’s tariff announcements have seen dramatic swings in bond and share markets around the world including Australia. Volatility increased, as the Trump administration initially delayed, then reaffirmed, the introduction of tariffs on its largest trading partners.

18/12/2024

Merry Christmas -

05/12/2024

Active Fund Managers vs the Index

The SPIVA (S&P Indices Versus Active) Report is a trusted resource for comparing the performance of actively managed funds against their benchmark indices.

Published semi-annually by S&P Dow Jones Indices, it highlights how well actively managed funds perform relative to passive benchmarks, offering insights into fund management effectiveness across regions and asset classes.

The report is particularly valuable for investors evaluating the cost-effectiveness and success rates of benchmark/passive investing versus active investing strategies.

The SPIVA Mid-Year 2024 Highlights for Australia and Global Equities:

1. Australian Equities:
o Over the 12-month period ending June 30, 2024, 76% of Australian active equity funds underperformed the S&P/ASX 200. Small-cap funds fared marginally better, but 68% still trailed the S&P/ASX Small Ordinaries Index.
o Survivorship rates—a measure of funds that remained active—18% of large-cap Australian funds liquidating or merging due to underperformance.

2. Global Equities:
o International equity funds benchmarked against the S&P World Index demonstrated similar trends. Around 80% of Australian-domiciled global equity funds underperformed, emphasizing the challenges of delivering consistent outperformance in global markets.
o Small-cap global funds showed slightly better relative performance compared to large-cap funds.
o Survivorship rates – Similarly to Australian equities, 25% of large-cap Global funds liquidated or merged due to under a performance

Major Key Takeaways for Investors:
The SPIVA findings reinforce that active fund managers face significant challenges in consistently outperforming benchmarks. This highlights the importance of considering benchmark investment strategies for cost efficiency and alignment with market performance.

Chart 1.
The percentage of actively managed funds in Australian and global equity categories that underperformed their benchmarks.
• Australian large-cap funds: 76%
• Australian small-cap funds: 68%
• Global large-cap funds: 80%
• Global small-cap funds: 72%

28/01/2022

Inflationary pressures & the market sell off

The rising cost of living has increased the likelihood that a downturn will come sooner than expected for the property market.

Inflation figures for the December quarter released on Tuesday showed rises in the costs of goods and services were within the Reserve Bank’s targeted range, raising the prospect of an early cash rate rise.

The Consumer Price Index rose 1.3 per cent in the last three months of 2021, bringing the annual rate of inflation to 3.5 per cent.

This undercurrent along with US annual inflation hitting 7% in the last month of 2021 has seen the Dow Jones sell off 7.2% & the ASX 200 sell off 9.6% since 4-Jan-22.

Energy (& gasoline) were the major contributor to the US figures which we are seeing in Australia.
Troubles in the Ukraine will further exacerbate this.

From our September Quarter Market Update from 8-Nov-21, we stated:

There is currently an ongoing debate of whether the current inflation is transitory. Central Banks are betting that the current supply side distortions are temporary & once those supply factors improve, prices will stop going up and inflation will retreat.

The risk however is that they are not temporary and inflation becomes more systemic which will see central banks increase interest rates. However at this stage, it is still too early to tell; but at this point, it is watch this space!

From the market’s reaction, markets are pricing that these inflationary pressures are now more longer term.

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To the end of Dec-21, the world's High Growth Composite Index returned 19.38%; however most of this gain was realised in the first 6 months of 2021, with the second half of the calendar year relatively flat. It is now dubious that we will see this sort of return for FY22.

We are not advocating a flight to cash & still recommend client’s hold their long-term asset allocation - as investors after moving to cash rarely buy back into the market at the right time; missing the usual bounce/correction.

On the mortgage front however, market watchers have pointed to the likelihood of a cash rate rise coming well before the Reserve Bank’s forward guidance of 2024.

ANZ head of Australian economics David Plank said a rate rise in August or November this year was a definite possibility.

“You could say we are sustainably within the two to three per cent band. The issue is, when is the RBA going to be confident enough about the sustainability of the labour market and wages to pull the trigger?” Mr Plank said.

He said when the cash rate does rise, it would affect the national property markets. ANZ recently forecast property prices would drop three per cent nationally in 2023 due to higher interest rates.

On the household front, many Australians have locked in 3-year fixed rates on their mortgages (around 2%) & today we are say 12 months into this journey. For these clients, the question is “where will interest rates be in 2 years’ time?” – the time when their fixed rate matures.

In 2 years’ time, if mortgage rates are say 3%, repayments will jump 50% overnight. If mortgage rates are 4%, repayments will double overnight. How would this affect you?

This warning is not a signal to panic; however it’s a cautionary note to be aware of what potentially may be down the track.

Many of you are aware that I am a very strong advocate for cashflow management & debt reduction; so I would recommend client’s pay particular attention to their current debt & debt repayments & look at what your repayments could potentially be with future rate increases.

I feel that it is prudent time to prepare for potential mortgage increases.