Investors acting their age

Published: August 15, 2017

Young investors can fall into the trap of being too conservative for their own good, forfeiting compounding long-term returns from growth assets. This can lead to the question: How do we tend to invest at different ages? Of course, a higher percentage of Australians hold much of their investment savings in the default diversified portfolios […]

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Why currency matters to Aussie investors

Published: August 15, 2017

There is nothing like an overseas holiday to remind you of the power of currency movements to either help or hinder your financial position. A recent sojourn to Europe reaped a modest benefit from the strengthening Australian dollar although it did nothing to dull the pain of the transaction fees on the credit cards. Australian […]

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How much can you afford to spend in retirement?

Published: August 2, 2017

How much you can afford to spend in retirement is determined by a number of different factors including investment markets, your super balance and lifestyle. But is there more you can do to help yourself have a better retirement? Understanding your expected spending patterns and ensuring you have an appropriate investment and drawdown strategy can […]

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The risks of trying to pick future winning stocks

Published: July 24, 2017

It's tough for both professional and personal stock pickers to consistently beat or at least match the market. But maybe many investors don't recognise just how tough it is for stock pickers to succeed. Recent research by a US academic underlines that pickers of individual stocks typically have a minimal chance of achieving a satisfactory […]

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Busting the 1 million dollar retirement myth

Published: July 12, 2017

It’s often been mentioned that $1 million or more in superannuation savings is needed to live a comfortable retirement. This is a daunting figure for most of us and, unsurprisingly, has many Australians concerned about the kind of retirement lifestyle they have to look forward to. In reality, most Australian workers have nothing like this […]

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Don’t become a one-eyed investor

Published: July 3, 2017

Behavioural economists warn investors about a trap known as "confirmation bias". This involves deciding on a course of action and then looking around for evidence to support that action. The proliferation of online investment newsletters and blogs means that investors can almost immediately find someone, perhaps a so-called expert, who agrees with them. In short, […]

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Global diversification through ETFs

Published: June 13, 2017

Investors are increasingly using Exchange Traded Funds (ETFs) as a straightforward, low-cost way to gain exposure to overseas shares. Recent ASX research shows that 40.9 per cent of assets in Australian-listed ETFs are in global shares, closely followed by Australian equities with 39.5 per cent, as at 31 May. A fundamental decision for Australian investors […]

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Home is where the heart is

Published: June 7, 2017

It can It can be hard to shake the instinct to stick with what you know. ‘Home bias’ – the phenomenon of investors disproportionately overweighting investments in their domestic equity markets, despite the easy availability of more geographically diversified options – is pervasive globally. In 2015, Anil Mishra, of the University of Western Sydney, conducted […]

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Beyond super: Our other personal investment market

Published: June 5, 2017

Many investors may not realise that Australia's super and non-super personal investment markets are almost equal in value. Yet super tends to dominate the personal investment headlines – particularly in the lead-up to the biggest changes to the super system in at least a decade from July. The Personal Investments Market Projections 2016 report, just […]

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The Australian Implications Of Trump’s US Tax Changes

Published: May 31, 2017

A key policy of the newly installed Trump administration is to dramatically change the taxation regime. Surprisingly, the US has one of the highest corporate tax rates in the world. High levels of corporate tax are cited as one reason why US manufacturing has been uncompetitive and the Trump administration believes it can address taxation […]

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