Page 1 - Wealth-Adviser-Issue-118 (FWP)
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ISSUE 118                                                                                   AUGUST 2025

          FROM


          SHAKESPEARE



          TO SUPER



          MASTERING
          TIME VALUE AND

          BEHAVIOURAL BIASES

          FOR LASTING WEALTH














                                    BY WEALTH ADVISER

                                       When life throws you a curveball—a broken-down car, an unexpected medical bill, or
                                    simply the temptation of a flash sale—how do you respond? The choices you make in these
        INSIDE                      moments can determine whether you build lasting wealth or find yourself trapped in cycles
                                    of financial stress. This isn’t just about having willpower; it’s about understanding the
        1   From Shakespeare to Super:   fundamental psychological forces that drive our money decisions and learning how to work
           Mastering Time Value and   with them, not against them.
           Behavioural Biases for Lasting
           Wealth                   Introduction: The Time Paradox in Modern Life
        5   Stable Money in an Unstable   Shakespeare’s desperate cry “My kingdom for a horse” in Richard III captures something
           World: Weighing the Promise   timeless about human nature: when we need something now, rational long-term thinking
           and Peril of Digital Currencies
                                    often goes out the window. Today, this same urgency plays out differently but just as pow-
        8   Building a Resilient Income   erfully. Consider Sarah, a 28-year-old marketing coordinator who recently received a $1,200
           Portfolio: Beyond Cash and   tax refund. She could invest it in her superannuation where compound interest would turn
           Bonds
                                    it into roughly $11,500 by retirement. Instead, she’s eyeing a weekend getaway that costs
        11  Q&A: Ask a Question     exactly $1,200.

         BEFORE YOU GET STARTED
            This Wealth Adviser publication is published by Wealth Today Pty Ltd   Information in this document is no substitute for professional financial
         (AFSL 340289), Sentry Advice Pty Ltd (AFSL 227748), Synchron Advice   advice.
         Pty Ltd (AFSL 243313) and Millennium3 Financial Services Pty Ltd (AFSL   We encourage you to seek professional financial advice before making any
         244252) and contains general and factual information only.  investment or financial decisions.
           Before acting on any information contained herein you should consider if   In any circumstance, before investing in any financial product you should
         it is suitable for you. You should also consider consulting a suitably qualified   obtain and read a Product Disclosure Statement and consider whether it is
         financial, tax and/or legal adviser.                   appropriate for your objectives, situation and needs.
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