Starting an SMSF in your 20s?

Published: August 21, 2017

As with many things about investing, deciding when and whether to setup an SMSF should much depend on individual circumstances – that go well beyond age. The tax office's latest Self-managed super fund statistical report shows that 1.2 per cent of investors who established an SMSF in the March quarter of 2017 were aged under 25. Interestingly, […]

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The digital investor and the ‘ostrich effect’

Published: August 21, 2017

The internet has certainly given investors much more immediate access to information about their portfolios, investment research and investment markets. It has also enabled us to conduct immediate online transactions. However, the internet, of course, brings positives and negatives for digitally-aware investors. For instance, these investors can more readily overreact to short-term market movements. They […]

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7 rewarding one-day Australian mountain climbs

Published: August 16, 2017

There’s something special about climbing a mountain, and it’s a feat that conjures up a whole range of thoughts and feelings. You start by psyching yourself up for the challenge, ooze energy and enthusiasm as the climb begins, question your sanity part way through, and then, with elation, enjoy a huge sense of achievement when […]

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Super is super for young people

Published: August 16, 2017

ASFA CEO Dr Martin Fahy and young Australians discuss super – why it’s the best bet for saving for retirement. Research by ASFA has found that young Australians aged under 30 years tend to have more money in their superannuation accounts than their bank balances, yet 40 per cent of young people have no idea […]

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6 Easy, Natural (and Free!) Ways to Reduce Stress

Published: August 15, 2017

Even if you're unaware how damaging long-term stress can be, you may be acutely familiar with its immediate side effects. According to Psychology Today, “The stress hormone, cortisol, is public health enemy number one. Scientists have known for years that elevated cortisol levels: interfere with learning and memory, lower immune function and bone density, increase […]

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Should you downsize?

Published: August 15, 2017

By the time you are considering retirement, it is likely that you will have substantial equity in your home. You may even own your house outright. Selling the family home is one way to free up cash for retirement. The money you receive can be invested in shares, term deposits, managed funds or superannuation. The […]

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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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