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.

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.
warren buffett

Why Warren Buffett Is Wrong

‘Buffett’ and ‘wrong’ rarely appear in the same sentence. That’s not to say his judgement is always correct, or that his assumptions should not be challenged. One thing is certain - Buffett and I will not be here to see which one of us is correct.
Australia economy going downhill

The IMF Has Read ‘The End of Australia’

The blind pursuit of ‘economic growth’ has delivered us to the point where the end of Australia, as we know it, is now coming into plain view. Finding something to smile about in this sad and sorry state of affairs is not easy.
retirement

Change Your Thinking…or Forget about Retirement

The notion of a comfortable retirement was a product of the Industrial Revolution. The middle class is under threat. Comfortable retirements are no longer a rite of passage. Those who are planning on tomorrow being a carbon copy of yesterday, will have many years to lament what went wrong.
wealth protection

Protecting Your Wealth: An Emotional Wreck…

If prior experiences are a guide, then the US market — and by extension the rest of the world — is in very dangerous territory. There’s never been a more pressing time to take action in protecting your wealth.
debt crisis

The Global Debt Bells Are Tolling

The base of the debt pyramid now needs to expand at a multiple of $5 to achieve $1 of growth. If the global debt pyramid — somehow miraculously — is still standing in a decade’s time, it’ll take more than $8 of debt to register a positive reading on the GDP needle. This is madness.
bitcoin belief

What Bitcoin and Scientology Have in Common

Are people really and truly believing that blockchain is ‘it’. That some child genius, who knows no barriers, won’t be able to create something better…ever? And therein lies the common thread that scientologists have with crypto buyers: unquestioned belief.
Global economy

The Global Economy Must Change its Ways

We know that change is the only constant in our lives. Yet, paradoxically, most people act as if tomorrow will be a repeat of today, expecting nothing to change. There’s a broad belief that growth is a constant. Growth in population. Growth in living standards. Growth in wages.
Bitcoin stuck

Bitcoin or BitCON?

In my opinion, you should trade this latest overpriced, overhyped and overbought ‘it’ for cash. Run for the hills with your booty of US dollars, Aussie dollars, euros or yen. The real stuff that actually buys you things.
investment opportunity

Boring Investment Advice For Exciting Times

Overbought, overhyped and overvalued markets represent a serious threat to your investments and wealth. Life would be so much easier if excessive reward was risk free…but that’s not how life works.
Australian economy

The Older I Get, the Better It Was

While we may reminisce about the ‘good ol’ days’, we must accept responsibility for making the world more complex. We took full advantage of the previous generation’s austerity to create our prosperity.
Australian economy financial system

The House of Cards

The major banks have around 60% of their balance sheets exposed to residential real estate. It won’t take much to shake the foundations supporting these pillars of society.