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.

The Cost of Arrogance

It’s frustrating that these costs from the Royal Commission could have been avoided if those charged with looking after the public interest had not acted out of self-interest.

Welcome to Fantasy Land

The circulation of those borrowed monies within the economy is what’s kept the GDP numbers in the positive. For the best part of 30 years, we’ve been compounding our debt pile at an average annual…

Why the Share Market Goes Up or Down

The reason why the stock market goes up or down in the long term has very little to do with ‘trade wars’ or ‘tech stocks’ or ‘higher earnings’ or ‘terror attacks’ or ‘interest rates’. These…

How Will Tesla Survive?

Since hitting a high of US$385 in September 2017, Tesla’s share price has fallen over 25% in value. You see, at some point you have to ‘walk the talk’. Musk talks a lot, but delivers…

What’s a Secular Market?

To prevent the system from going into ‘cardiac arrest’, more and more debt is required each and every year. History clearly tells us this is not sustainable. Within the debt supercycle, there are long-term market…

Time in or Timing the Market?

Perfect timing is impossible. No one knows when the inherent instability in an overpriced market will be exposed. The higher a market rises — on artificial earnings and higher PE multiples — the more dangerous…

Surprise Attack

Ever since June 1991 — our last official recession — the textbook approach to generating GDP growth has been to encourage households to borrow to ‘get the economy moving’. Our economic ‘success’ has really been…

The Value of Reading and Thinking

The two big trends — over-valued markets and the shifting tectonic plates in the economy — are on a collision course. Being in a position to capitalise on the opportunities that are coming, is going…

Shorten Sounds Siren

When (not if) the share market goes through a significant correction, and struggles to respond to stimulus efforts, dividends will be cut. Shorten’s proposed tax grab is going to end up as a ‘grab bag…

Cycles Have Two Phases – Up AND Down

We have lived through an extraordinary ‘up’ phase of the cycle…and unfortunately, this sustained period of false prosperity has been mistaken for a permanent reality. Nothing could be further from the truth. The signs are…

Lessons to Learn from Failure

The most difficult part of being a financial planner was trying to persuade people against running with the herd. Past performance is the story of the past, not the future. Yet this logic was often…

Complacency Breeds Stupidity

As a society we’re ill-prepared for a sustained period of financial hardship. The good times — credit funded lifestyles we cannot afford — have gone on for so long that we consider this as normal.…

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