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Three reasons to err on the side of optimism as an investor

Introduction The “news” as presented to us has always had a negative bend, but one could be forgiven for thinking that it’s become even more negative with constant stories of disasters, conflict, wrongdoing, grievance and loss. Consistent with this it … Read more

The importance of rebalancing

Investing is more than choosing different assets. It also involves managing your portfolio on an ongoing basis to achieve personal goals. Your starting point In the initial stages of constructing a portfolio of diverse investments, it is likely you will … Read more

Super fund performance and unlisted assets

Differences in the returns of various super funds have primarily been driven by whether the funds are invested in unlisted or listed assets. Super fund returns are always in the spotlight around the end of the financial year. This is … Read more

Should you fix your home loan?

Key takeaways An understanding of the benefits of fixing your home loan, including payment stability, protection from rate hikes and certainty over long term financial planning. The potential drawbacks to consider when choosing to fix, such as missing out on … Read more

Seven key charts for investors to keep an eye on

Introduction At the start of this year, we thought shares would have reasonable  returns albeit it wouldn’t be smooth sailing given ongoing issues around inflation, interest rates, the risk of recession and geopolitics. So far so good. This note updates … Read more

Seven key charts for investors to keep an eye on

Introduction At the start of this year, we thought shares would have reasonable  returns albeit it wouldn’t be smooth sailing given ongoing issues around inflation, interest rates, the risk of recession and geopolitics. So far so good. This note updates … Read more

Factor Investing explained

Global markets are made up of dozens of asset classes and millions of individual securities, making it challenging to understand what really matters for your portfolio. But there are a few important drivers that can help explain returns across asset … Read more

Economic update

Economic update

October was another difficult month for financial markets, partly reflecting an acceptance among investors that interest rates are likely to remain high for longer than was previously anticipated. Geopolitical risk ramped up too, following conflict in Israel and Palestine. Australian … Read more

Term deposit vs savings account: what’s the difference?

Term deposits offer certainty and savings accounts offer flexibility. Here are some other common features and benefits of each. Putting your money into a savings account, or in the alternative, a term deposit, are two common methods of saving. Working … Read more

Your guide to gearing

There are a number of considerations when it comes to gearing, the investment assets you may choose to gear and the way you structure your debt. A gearing strategy can be set at three levels: Positive gearing – where income … Read more