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	<title>Michael&#039;s Musings</title>
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	<link>https://www.michaelsmusings.com.au</link>
	<description>Thoughts on money, from a Financial Planner in Perth</description>
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		<title>Portfolio Perspectives : When Experts Disagree</title>
		<link>https://www.michaelsmusings.com.au/features/portfolio-perspectives-december-2025/</link>
					<comments>https://www.michaelsmusings.com.au/features/portfolio-perspectives-december-2025/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Mon, 01 Dec 2025 04:14:59 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Financial Planning Perth]]></category>
		<category><![CDATA[Markets]]></category>
		<category><![CDATA[Superannuation]]></category>
		<category><![CDATA[understanding money]]></category>
		<guid isPermaLink="false">https://www.michaelsmusings.com.au/?p=3649</guid>

					<description><![CDATA[Should you hold more Australian shares, or more American? It&#8217;s a question that sounds simple enough. But ask six experienced investment professionals and you&#8217;ll get six different answers—often contradicting each other directly. One argues that up to 87% of apparent US outperformance disappears when you adjust for currency movements. Another insists the US dominates global ... <a title="Portfolio Perspectives : When Experts Disagree" class="read-more" href="https://www.michaelsmusings.com.au/features/portfolio-perspectives-december-2025/" aria-label="Read more about Portfolio Perspectives : When Experts Disagree">Read more</a>]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<title>Is the &#8216;Warren Buffett Indicator&#8217; Flashing a Buy Signal?</title>
		<link>https://www.michaelsmusings.com.au/financial-planning-perth/how-do-you-measure-risk/is-the-warren-buffett-indicator-flashing-a-buy-signal/</link>
					<comments>https://www.michaelsmusings.com.au/financial-planning-perth/how-do-you-measure-risk/is-the-warren-buffett-indicator-flashing-a-buy-signal/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Mon, 05 May 2025 01:48:55 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[How do you measure risk?]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Long term investing]]></category>
		<category><![CDATA[Market timing]]></category>
		<category><![CDATA[Share market valuation]]></category>
		<category><![CDATA[Warren Buffet]]></category>
		<category><![CDATA[Warren Buffett Buffett Indicator Sharemarket Valuation US Shares Long Term Investing Market Timing Financial Planning General Advice Disclaimer]]></category>
		<guid isPermaLink="false">https://www.michaelsmusings.com.au/?p=3287</guid>

					<description><![CDATA[An Australian Financial Review article yesterday claimed that it was. So let’s use this as an example of how to look at news articles on financial matters—but from a financial planner&#8217;s viewpoint. What the Article Says The heart of the article is covered in the opening two paragraphs: &#8220;A key valuation metric touted by legendary ... <a title="Is the &#8216;Warren Buffett Indicator&#8217; Flashing a Buy Signal?" class="read-more" href="https://www.michaelsmusings.com.au/financial-planning-perth/how-do-you-measure-risk/is-the-warren-buffett-indicator-flashing-a-buy-signal/" aria-label="Read more about Is the &#8216;Warren Buffett Indicator&#8217; Flashing a Buy Signal?">Read more</a>]]></description>
		
					<wfw:commentRss>https://www.michaelsmusings.com.au/financial-planning-perth/how-do-you-measure-risk/is-the-warren-buffett-indicator-flashing-a-buy-signal/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
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		<title>Balanced, you say?</title>
		<link>https://www.michaelsmusings.com.au/investor-corner/superannuation/balanced-super-fund-or-just-a-lable-what-it-really-means/</link>
					<comments>https://www.michaelsmusings.com.au/investor-corner/superannuation/balanced-super-fund-or-just-a-lable-what-it-really-means/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Thu, 10 Apr 2025 05:35:52 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Financial Planning Perth]]></category>
		<category><![CDATA[How do you measure risk?]]></category>
		<category><![CDATA[Superannuation]]></category>
		<category><![CDATA[balanced fund]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[market volatility]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[strategic asset allocation]]></category>
		<guid isPermaLink="false">https://www.michaelsmusings.com.au/?p=3278</guid>

					<description><![CDATA[“When the system calls itself balanced, check who built the scales.” When is &#8216;Balanced&#8217;.. balanced? If you&#8217;re a member of a balanced super fund, this is a moment to ask what that really means in practical terms. &#8220;Balanced&#8221; super fund members will soon be finding out just how &#8216;balanced&#8217; their fund is—or is not. I&#8217;m ... <a title="Balanced, you say?" class="read-more" href="https://www.michaelsmusings.com.au/investor-corner/superannuation/balanced-super-fund-or-just-a-lable-what-it-really-means/" aria-label="Read more about Balanced, you say?">Read more</a>]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<title>link to Michael&#8217;s Musings Facebook Posts</title>
		<link>https://www.michaelsmusings.com.au/features/www-michaelsmusings-com-au-facebook-posts/</link>
					<comments>https://www.michaelsmusings.com.au/features/www-michaelsmusings-com-au-facebook-posts/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Tue, 24 Sep 2024 10:01:11 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<guid isPermaLink="false">https://www.michaelsmusings.com.au/?p=3269</guid>

					<description><![CDATA[This is a link to Michael&#8217;s Musings Facebook page feed. Here, you&#8217;ll find all our latest posts, thoughts, and updates on financial planning, current trends, and practical advice. The Facebook page will usually include more regular updates &#8211; simply because my day-job is Financial Planner. Musing on websites and the like is an occasional extension ... <a title="link to Michael&#8217;s Musings Facebook Posts" class="read-more" href="https://www.michaelsmusings.com.au/features/www-michaelsmusings-com-au-facebook-posts/" aria-label="Read more about link to Michael&#8217;s Musings Facebook Posts">Read more</a>]]></description>
		
					<wfw:commentRss>https://www.michaelsmusings.com.au/features/www-michaelsmusings-com-au-facebook-posts/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Debunking Financial Planner Myths: Why You Might Need One</title>
		<link>https://www.michaelsmusings.com.au/features/financial-planner-myths-debunked/</link>
					<comments>https://www.michaelsmusings.com.au/features/financial-planner-myths-debunked/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Mon, 25 Mar 2024 02:10:11 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<guid isPermaLink="false">https://www.michaelsmusings.com.au/?p=3259</guid>

					<description><![CDATA[Do you ever catch yourself saying, &#8220;I don&#8217;t need a financial planner&#8221;? You&#8217;re not alone. Many Australians hold onto this belief, often due to misconceptions about financial planners and the services they offer. Let&#8217;s address some of these common assumptions head-on. So, why might you actually need a financial planner, even if you think you ... <a title="Debunking Financial Planner Myths: Why You Might Need One" class="read-more" href="https://www.michaelsmusings.com.au/features/financial-planner-myths-debunked/" aria-label="Read more about Debunking Financial Planner Myths: Why You Might Need One">Read more</a>]]></description>
		
					<wfw:commentRss>https://www.michaelsmusings.com.au/features/financial-planner-myths-debunked/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Financial Planner Bias</title>
		<link>https://www.michaelsmusings.com.au/financial-planning-perth/fees-independence-bias/financial-planner-bias-independence/</link>
					<comments>https://www.michaelsmusings.com.au/financial-planning-perth/fees-independence-bias/financial-planner-bias-independence/#comments</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Thu, 21 Mar 2024 00:27:45 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Fees and Bias]]></category>
		<guid isPermaLink="false">http://www.michaelsmusings.com.au/?p=2874</guid>

					<description><![CDATA[Here&#8217;s a Michael&#8217;s Musings look at financial planner bias from the perspective of the a financial planner. Why financial planner bias? Because financial planner bias is a key issue driving commentary, legislation and daily financial planner activity today.  Community perceptions and assumptions of financial planners have changed over the years, with the decades-long battles between bank ... <a title="Financial Planner Bias" class="read-more" href="https://www.michaelsmusings.com.au/financial-planning-perth/fees-independence-bias/financial-planner-bias-independence/" aria-label="Read more about Financial Planner Bias">Read more</a>]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
			</item>
		<item>
		<title>Super funds fail the performance test</title>
		<link>https://www.michaelsmusings.com.au/features/super-funds-fail-the-performance-test/</link>
					<comments>https://www.michaelsmusings.com.au/features/super-funds-fail-the-performance-test/#comments</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Wed, 10 Nov 2021 08:22:06 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Financial Planning Perth]]></category>
		<category><![CDATA[super funds performance test]]></category>
		<guid isPermaLink="false">http://www.michaelsmusings.com.au/?p=3223</guid>

					<description><![CDATA[Results released in August this year showed that 13 super funds failed to meet the new super performance test. The funds have been forced to write to their members, informing them of this failure and suggesting they consider other funds. There are over 1 million super members involved and around 7% have since swapped out ... <a title="Super funds fail the performance test" class="read-more" href="https://www.michaelsmusings.com.au/features/super-funds-fail-the-performance-test/" aria-label="Read more about Super funds fail the performance test">Read more</a>]]></description>
		
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			<slash:comments>3</slash:comments>
		
		
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		<item>
		<title>DIY Financial Planning</title>
		<link>https://www.michaelsmusings.com.au/financial-planning-perth/diy-financial-planning/</link>
					<comments>https://www.michaelsmusings.com.au/financial-planning-perth/diy-financial-planning/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Wed, 28 Apr 2021 02:03:28 +0000</pubDate>
				<category><![CDATA[Financial Planning Perth]]></category>
		<category><![CDATA[DIY financial planning]]></category>
		<guid isPermaLink="false">http://www.michaelsmusings.com.au/?p=3212</guid>

					<description><![CDATA[DIY investment plans are a good start. Once you've tackled your investments, start working through your broader financial plans and dreams.]]></description>
		
					<wfw:commentRss>https://www.michaelsmusings.com.au/financial-planning-perth/diy-financial-planning/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>When cash earns nothing</title>
		<link>https://www.michaelsmusings.com.au/investor-corner/pidgin-economics/when-cash-earns-nothing/</link>
					<comments>https://www.michaelsmusings.com.au/investor-corner/pidgin-economics/when-cash-earns-nothing/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Thu, 10 Oct 2019 03:21:00 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Pidgin Economics]]></category>
		<guid isPermaLink="false">http://www.michaelsmusings.com.au/?p=3174</guid>

					<description><![CDATA[When cash earns nothing, how do you make sense of money anymore? Why are we faced with this question? A financial planner view...]]></description>
		
					<wfw:commentRss>https://www.michaelsmusings.com.au/investor-corner/pidgin-economics/when-cash-earns-nothing/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
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		<item>
		<title>Australia&#8217;s economy in pictures</title>
		<link>https://www.michaelsmusings.com.au/features/australias-economy-in-pictures/</link>
					<comments>https://www.michaelsmusings.com.au/features/australias-economy-in-pictures/#respond</comments>
		
		<dc:creator><![CDATA[Michael O'Hara]]></dc:creator>
		<pubDate>Wed, 07 Aug 2019 02:38:53 +0000</pubDate>
				<category><![CDATA[Featured]]></category>
		<guid isPermaLink="false">http://www.michaelsmusings.com.au/?p=3162</guid>

					<description><![CDATA[Here&#8217;s a link to my latest Facebook post &#8211; today&#8217;s topic is the release of the latest Chart Pack from the Reserve Bank of Australia. It&#8217;s not as boring as it sounds &#8211; there&#8217;s a bucket of interesting information on the world of money surrounding you right now. Even if you don&#8217;t usually like financial ... <a title="Australia&#8217;s economy in pictures" class="read-more" href="https://www.michaelsmusings.com.au/features/australias-economy-in-pictures/" aria-label="Read more about Australia&#8217;s economy in pictures">Read more</a>]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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