BHPW

25/10/2025

Looking for a financial advice partner who truly understands your journey?

At BHPW, we’ve been helping individuals and small businesses build stronger financial futures since 2012. Based in Sydney, our team delivers practical, real-world advice on superannuation, retirement planning, and investment strategies tailored to your life stage and goals.

Whether you're just starting out, growing your business, or planning for retirement, we’re here to help you:
* Grow your wealth
* Boost your financial confidence
* Make informed decisions for long-term success

Let’s work together to turn your financial goals into reality.

17/10/2025

Home Buy Tickets on Eventbrite Buy Tickets on Eventbrite Register now and receive a limited edition goodie bag & training video! Get Access To The CONFERENCE The final months of 2025 could bring sharp shifts in stocks, forex, and global markets. At this conference, you’ll learn how professional tr...

03/05/2024

Are families are being forced out of Sydney? -

Earlier this year, the NSW Productivity Commission released a report warning that Sydney will face a drastic change in demographics over the coming years if the city doesn’t find a way to help younger people and those on lower incomes find affordable housing close to the city centre.  

03/04/2024

Investing for children and grandchildren -

Setting up an investment for your child or grandchild is a great way to give them a head start when they reach adulthood. Investing small amounts on a regular basis, over a long period of time, can result in a substantial amount of money. There are many different types of investments to choose from....

03/03/2024

How to make the most of your first years of retirement -

Retirement can be daunting for some people. While there’s plenty to look forward to now that you have more time for travel, loved ones and leisure activities, there’s also a significant psychological shift from being a saver to becoming a spender. The lack of certainty about how long your retire...

31/01/2024

Stage 3 Tax Cuts, what does it mean for you?

I’m sure you’ve heard by now about the changes to the stage-3 tax cuts that are due to take effect from 1 July this year. With the original tax cuts package legislated and communicated many years ago, all of a sudden they’re different to what we were expecting. So, are these latest changes goo...

14/11/2022

Check out these great ideas from one of our trusted partners 🔥🔥

With interest rates rising, some may be feeling the pinch. Check out these hot tips from our very own Taj Dosanjh on how you can better your budget!

14/11/2022

Sequencing risk is the risk of experiencing negative market returns at an unfavourable time.

The ages of 50-75 are considered to be the ‘High Sequencing Risk Zone’. This is the period when super balances tend to be high, but the number of years left to contribute to super (and therefore offset the impact of market downturns) is low.

The chart below shows the impact of sequencing risk:

Both investors started with $100,000 at age 45.

They contributed an additional $10,000 per year and received an average return of 7% p.a.

Investor 1 incurred a loss of 15% at the age of 46, giving their investment plenty of time to recover before they retired at age 65.

Investor 2 incurred a loss of 15% at the age of 64, one year before they retired.

While they both withdrew the same annual pension of $60,000, investor 2’s retirement savings ran out seven years earlier because of sequencing risk.

Sequencing risk is unavoidable, but there are ways to lessen its impact. In this article we share some top tips for managing sequencing risk to make your retirement savings last longer.

As your financial advice partner, we guide you to make smart decisions for your financial future while getting more from life today.

03/11/2022

Australia has the sixth highest life expectancy in the world. We can expect to live to 83.20 years old, on average. This is around 10 years longer than the global average.

That’s good news, right?

The only problem is that a longer life expectancy means you have to rely on your retirement savings for far longer. And that’s far easier said than done when you’re dealing with volatile market returns and a high cost of living.

In this article we share some top tips for how to make your retirement savings last longer.

https://www.linkedin.com/pulse/making-your-retirement-savings-last-longer-bhpw/?trackingId=kqJhY8kfHMwW3B0Kh9%2Bm2w%3D%3D

24/10/2022

We all want to have a long and healthy life. But with volatile market returns and high cost of living playing havoc on retirement savings, many retirees face the real risk of outliving their money. We take a look at some ways to make your retirement savings last longer, without sacrificing your lifestyle.

While no-one enjoys market volatility and high costs of living, it’s retirees that have the most to lose from it. When you’re no longer working and contributing to super, it can be downright scary to see your super balance decrease.

28/09/2022

Neither growth traps nor value traps are good for your portfolio. But growth traps, which we’ve seen a lot of over the last 12 months, are definitely the worst of the two.

This chart tracks value and growth trap stocks over 25 years. While value traps underperformed by an average of 9.5% per year, growth traps were far worse with an underperformance of 13.0% per year.

Want to know how to avoid a growth trap? We provide some tips here.

https://www.linkedin.com/feed/update/urn:li:activity:6972403723364954112

As Warren Buffett famously said, "Price is what you pay. Value is what you get." As market volatility continues to impact investors around the globe, we...