Asset allocation is the process of dividing funds between different asset classes including cash, bonds, property and shares. This takes place as spreading resources across different asset classes can help diversify the portfolio’s holdings, which is an important way to manage risk. In theory, asset classes rise and fall at different times. So, when one … Read more
Australian shares fared well in July, buoyed by suggestions that no further interest rate hikes will be necessary. With inflation coming off the boil, there was optimism that borrowing costs have peaked and could be lowered later this year. In turn, this could be beneficial for corporate earnings. Returns from overseas shares were positive too, … Read more
Common human biases that investors should understand when it comes to investing is extremely important. These biases are ingrained in human nature, leading to tendencies to oversimplify, rely on quick thinking or exhibit excessive confidence in judgments, which may lead to investment mistakes. By gaining insight into these biases, investors may be able to make … Read more
AI is revolutionising the world of investing in ways previously unimaginable. Technological advancements have continuously reshaped the way we invest and manage our money. One such example that has been gaining significant traction and attracting a large amount of attention in recent years is AI (Artificial Intelligence) investing. With its ability to analyse vast amounts … Read more
Investment funds can be broadly split into two categories – active and passive. And while both options play a part in an investment portfolio, it’s important to understand how each works before allocating money to them. Basics of passive investing Passive investing has gained momentum in Australia, and beyond, over the last decade. It could … Read more
Tax is often the last thing on our minds when we’re planning for retirement but it’s important to understand how your retirement income will be taxed, so you can make the most of your savings. The good news is that super is a tax-effective way of building wealth for your retirement and the tax benefits … Read more
We don’t need insurance until we do. Protecting your wellbeing and your wallet “Do I really need this insurance?” It’s probably a question you’ve asked at some point when deciding whether to part with your money. But maybe the real question should be “What if I became ill, how would we cope?” Your health and … Read more
When it comes to investing, you have two options – inside or outside of super. Super, being a longer term investment designed to fund your retirement, comes with a number of advantages such as being lightly taxed (which can mean, more money to invest in your financial future) but does have some constraints including not … Read more
In Australia, investing in real estate isn’t the preserve of a wealthy elite. The nation’s 2.24 million property investors, owning a collective 3.25 million homes1, are everyday Australians – skilled tradies, small business owners and professionals. If you’re a property investor, being tax-smart can be just as important as buying the right place – regardless … Read more
Super and investment scams target your personal wealth by convincing you to invest in fake schemes and companies. A super scam is when someone tries to access your super and withdraw your money. An investment scam is when someone tries to convince you that an investment is real, so you invest your money in whatever … Read more