About Vern Gowdie

Vern Gowdie has been involved in financial planning since 1986.

In 1999, Personal Investor magazine ranked Vern as one of Australia’s Top 50 financial planners.

His previous firm, Gowdie Financial Planning was recognized in 2004, 2005, 2006 & 2007, by Independent Financial Adviser (IFA) magazine as one of the top five financial planning firms in Australia.

He has been writing his 'Big Picture' column for regional newspapers since 2005 and has been a commentator on financial matters for Prime Radio talkback.

His contrarian views often place him at odds with the financial planning profession.

Vern is is Founder and Chairman of the Gowdie Family Wealth advisory service, a monthly newsletter with a clear aim: to help you build and protect wealth for future generations of your family. He is also editor of The Gowdie Letter, which aims to help you protect and grow your wealth during the great credit contraction.

To have Vern’s enlightening market critique and commentary delivered straight to your inbox, take out a free subscription to Markets and Money here.

Official websites and financial eletters Vern writes for:

To read more insights by Vern check out the articles below.

central banks making dumb decisions

Smart People Making Dumb Decisions

Central banks have blown the biggest bubble in history. History shows us that ALL bubbles eventually find a pin. The looming collapse of the financial system will come as a huge surprise to many people. They’ve been conditioned to believe central banks can solve all problems. Nothing could be further from the truth. They are the creators of problems.

The Bitcoin Graph Paints a Thousand Words

I’m just waiting for the crypto launch that — in addition to its run-of-the-mill magical powers — also promises a cure for cancer or can endow the Donald with humility. Why not? Cryptos can do just about everything else!? Seriously, what a con. There are no earnings. There are no assets. There’s nothing…other than blind belief.
asset bubble

The Biggest Asset Bubble in History

Make no mistake; the central bankers, with their misguided stimulus policies, have blown the biggest asset bubble in history. Yet it is still largely unseen by those who should know better.
US economy not as good as it looks

This Is Going to Get Real Ugly

When you throw trillions of freshly-minted dollars at an economy, you’d expect a bounce in the tax take. That’s exactly what happened after 2009. But the chart shows us that something is different this time.
china and japan flags

China: The New Japan

When Japan’s bubble burst in the 1990s, our economy was saved by China’s economic transformation. Throughout the first decade of the new millennium, Australia was a major beneficiary of China’s grand plan. When China’s bubble bursts — and it almost certainly will — there’s no other Asian saviour to prop up our debt-laden economy waiting in the wings.
wealth at risk

The Health of Your Wealth Is at Risk

The global economy’s absolute dependency on central bank stimulants for growth has created the illusion of strength. But, in reality, it’s weakened the system to the point where our financial wellbeing is highly vulnerable to even the slightest of economic ills.
market cycle....beware

Beware the Second Half of the Market Cycle

The warning signals are being sounded on this extended period of excess and manipulation. We’re on the cusp of a seasonal change in market conditions…clear blue sunny skies are going to give way to a very long and very bleak winter.
markets going down

Better Never than Late

The pundits all tell us the market is only going higher from here. Let’s celebrate. Have another drink. She’ll be right mate. The GFC may well have been put to rest. However, I think GFC Mark II is beginning to stir…and this is going to be one angry bear with a very sore head.
goldilocks economy bear market

Goldilocks Economy Meets the Bear…Again

The actions taken by the Fed after the dotcom bust and the GFC would’ve, in 1999, been deemed to be sheer recklessness…bordering on lunacy. That’s how much the world has changed in the space of two decades. Goldilocks is going to be mauled by another bear…and it’ll be far more ferocious than the one that awoke from hibernation in 2000.
cash

Confidence…Complacency…Cash

People extrapolate their current euphoria into the future. But we know that’s not how life works. Nothing stays good forever, and nothing stays bad forever. Things change. The current mood of confidence and complacency is why I’m confident the time is right to be in cash.
money

Just Follow the Money

In following the money, we find the wealth created in recent years has been nothing more than an illusion. This illusion can only be maintained if ever more money is printed…making the world’s newest and largest economy for the privileged few even bigger.
household debt burden

Blaming Everything but the Household Debt

Have you read any mainstream commentary identifying our world record household debt as the root cause of our economic miracle? I haven’t. Instead we’re dazzled with the brilliance of ‘adept management’ and ‘flexible inflation targets’.
challenger guaranteed funds

A Challenging Guarantee

When it comes to money, the word ‘guarantee’ conveys a sense of safety and assurance. The challenges facing Challenger — trying to generate sufficient return in a low interest world — is a global problem.