Latest News

Chart of the week: Wall street's sentiment is all 'trumped up' again.

06 September 2018 Bob Cunneen, Senior Economist and Portfolio Specialist                    … Read more »

The Twilight Zone with Trump, Trade Wars and Turkey

  Bob CunneenSenior Economist & Portfolio SpecialisAugust 2018 The calendar year is coming to a close but some markets are… Read more »

The psychology of money

Money can make us anxious no matter how much we manage to save.  Investors who succeed in building large portfolios… Read more »

Avoid the most common sharemarket trap

Perhaps the most common trap for share investors is to concentrate too much on the daily movements in share prices…. Read more »

Five ingredients of a great super fund

It makes sense to take a close look at your current super fund and consider whether your money could be… Read more »

Protecting your finances after redundancy

Being made redundant can mean some major lifestyle changes. For many, the biggest challenge is managing money while looking for… Read more »

Chart of the week: US's inflation fate with higher tariffs

25 July 2018 Bob Cunneen, Senior Economist and Portfolio Specialist                    … Read more »

How high debt disrupts investment success

Cooling house prices – particularly in Sydney and Melbourne – may prompt astute existing and would-be homeowners to take a… Read more »

The power of financial role models

Role models are important in many stages of life. Be it school years, on the sporting field or in your… Read more »

Boost your super – selling the family home

The new downsizer super contribution option could help turn your family home into a more comfortable retirement. A SUPER HOME… Read more »

Sorting out your finances during divorce: how to divide shared assets

When going through a divorce or separation, one of your first tasks will be to divide up what you own… Read more »

Chart of the week: Is the US's labour market running on empty?

11 July 2018 Bob Cunneen, Senior Economist and Portfolio Specialist                    … Read more »

2017-2018 financial year in review – John Owen

    A good year for investors despite rising trade tensions The year to 30 June 2018 was generally a… Read more »

The unstoppable rise of investing with purpose

Technology and the rise of social media are fundamentally changing how we choose to invest. In decades past, most investors… Read more »

Preparing your home for sale

Simple things like removing clutter can vastly improve the appeal of a home, and the good news from experts is… Read more »

The case for being a realistic investor and consumer

  Forecasts for subdued, lower returns over the medium-to-long term from diversified investment portfolios underscores the case of being a realistic investor… Read more »

Tax-effective investment ideas

Want to get a better deal from the tax man on your investments? We’ll look at some investment options that… Read more »

Five ways to boost your super

Did you know it’s likely you’ll spend up to two decades or more in retirement? It’s a long time, so will… Read more »

Sizing-up your super with after-tax contributions

You'll have heard the old, almost grandmotherly adage that 'every dollar counts'. But guess what – it's true.   Voluntary… Read more »

Why the FANGs could bite into your portfolio

Redpoint Investment Management ABOUT REDPOINT Redpoint Investment Management Pty Ltd (Redpoint) is a boutique global equities manager headquartered in Sydney,… Read more »

3 Ways rising interest rates could disrupt the economy

What is quantitative easing? Quantitative easing is when central banks purchase assets from the market to lower interest rates and… Read more »

Prepare for the unexpected – and expected

A way to help efficiently plan for your financial future is to focus on how  best to handle what are… Read more »

Chart of the week : The 'end of cheap money ' is coming

7 May 2018 Bob Cunneen, Senior Economist and Portfolio Specialist                     … Read more »

Dollar-cost averaging: An investor's emotional circuit breaker

The latest bout of higher sharemarket volatility reinforces the potential benefits of a disciplined investment strategy called dollar-cost averaging. It… Read more »

A guide to buying your first home

You’ve made the next step in life and want to buy your first home, but you don’t know where to… Read more »

Budgeting 101 working out your income and expenditure

Working out a realistic budget is a great way to take control of your finances. Although it may seem like… Read more »

Your key financial to – dos after divorce or separation

The early days of a divorce or separation can be a real challenge. Especially as you adjust to your new… Read more »

Measuring fear and greed on wall street

April 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management “Investors should remember that excitement and expenses are… Read more »

What's the risk of not understanding risk ?

 For most investors, a conversation with a partner or friend about lifestyle goals helps identify what risk really means to… Read more »

Chart of the week: Australia's confidence makes a comeback

16 April 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management Sources: NAB and Westpac Melbourne Institute (WMI). Confidence… Read more »

Wall street's confidence stirred but not completely shaken

10 April 2018  Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management              … Read more »

Women get frank about finance

More than half of Australian women feel in control of their finances, but many are concerned about their savings and… Read more »

A Will isn’t always the only way

You would have heard the saying ‘where there’s a will, there’s a way’. This statement is usually used to encourage… Read more »

CHART OF THE WEEK: A SHOPPING LIST OF REASONS FOR AUSTRALIA’S SOFT RETAIL SPENDING

4 April 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management Australian nominal retail spending Source: Australian Bureau… Read more »

Behavioural finance: Overconfidence

In a world of uncertainty in which our brains are often subconsciously working against us, it’s a good practice to… Read more »

Outside super: Our other personal investments

How does the value of your non-super savings compare to the value of your super savings? And do you take… Read more »

Waiting for the ‘perfect’ moment to invest

If you've got even the slightest interest in the world at large, you can't have missed the news about the… Read more »

What your age should say about your super

Significant birthdays are either met with a high level of excitement…or dread. And the emotional response is generally driven by… Read more »

Chart of the week: Is The ‘Trump Trade’ now a ‘Trade War’ against Wall Street?

27 March 2018 Bob Cunneen, Senior Economist and Portfolio Specialist, NAB Asset Management US asset prices since President Trump’s election… Read more »

Chart of the week: Could America's ‘sweet spot’ of strong jobs and mild wages turn sour?

13 March 2018 Bob Cunneen, Senior Economist and Portfolio Specialist US interest rate vs inflation indicators view larger chart Source:… Read more »

Millions of multiple super accounts erode savings

One of the simplest ways to make your retirement savings more efficient and less costly is to get rid of… Read more »

Chart of the week : Trump's trade war shows the deficit in goods and goodwill

6 March 2018 Bob Cunneen, Senior Economist and Portfolio Specialist                    … Read more »

Got post-holiday debt lag?

Get out of debt and back in control of your finances with our simple money tips. Have a plan to… Read more »

Why your chances of a pay increase could finally be improving

With 2018 now underway, many Australians may have noted ‘pay increase’ in their new years’ resolutions list. While the economic… Read more »

Eating out or in, which is better?

Eating out or in, which is better? How much is eating out really costing you? It might surprise you to… Read more »

Back to basics: avoiding the day to day temptation to time the markets

The best of times can also be the most worrying of times for investors. As we head off on the… Read more »

What's ahead for SMSFs?

It would be difficult to underestimate the impact that self-managed super has on competition between super funds – with both… Read more »

Closing your insurance gap

A fundamental personal finance trap is to assume that your super fund's default insurance cover is adequate for your circumstances…. Read more »

Wall Street finally awakes to a “clear and present danger”

US shares vs Government bonds Source: Federal Reserve St Louis. Wall Street has fallen -4% over the past week. This… Read more »

Shifting the dial on super

It is about now when those well-intentioned New Year resolutions start to come under pressure.   The summer holidays are… Read more »

2018: A balancing act

Fidelity's Investment Director, Tom Stevenson, shares his thoughts on investing in 2018. Most of the time investors don’t need to… Read more »

Beyond share prices

Investors shouldn't overlook that there are two components to sharemarket returns – dividend yield and capital gains (or losses). Few… Read more »

Four issues for investors to keep on the radar in 2018

“The inevitable never happens. It is the unexpected always.”  John Maynard Keynes (1883 -1946) 2017 was a year of surprises… Read more »

2017: The year in review

A very rewarding year for investors 2017 was a very positive year for investors, particularly those with substantial exposure to… Read more »

Become a better investor through your holiday reading

Behavioural economist Daniel Kahneman – who teaches us to control our damaging behavioural traits to become better, more-disciplined investors –… Read more »

Who can investors trust?

Trust can be tested in many ways. Consider this situation. You are sitting at a conference with 1000 or so… Read more »

Your rights when it comes to Direct Debits

Automatic bill payments Direct debits can help you organise your finances. Make sure you understand how they work and what… Read more »

The critical difference between desired and required returns

We probably all remember during those long difficult car trips as children repeatedly saying such irritating things to our parents… Read more »

Faster than the wind – how mandatory super contributions help Australians get ahead

There's a lot of debate in the superannuation industry about what constitutes an 'adequate' contribution rate.   Most experts say… Read more »

Realism-v-reality – working part-time as retirees

Are you planning to boost your retirement income by doing some part-time work once you eventually retire? Perhaps you have… Read more »

'If only I had a second chance'

No matter our age, most of us would probably look back on some aspects of our lives and say to… Read more »

THE AGE OF THE SUPERCOMPANIES

Mike Gallagher, CFA, CAIA, Head of Distribution, Intermede Investment Partners American corporations are enjoying a golden age of profitability. Intermede… Read more »

Behavioural finance: Why is it so relevant in the field of investing?

Tom Stevenson, Investment Director I was delighted that Richard Thaler was awarded the 2017 Nobel Economics Prize. Thanks to the work… Read more »

How to develop a "dynamic" approach to retiree spending

As Smart Investing recently discussed, the combination of historically-low yields, expected muted investment returns and growing life expectancies are making it particularly… Read more »

Think ahead about smart retiree spending and investing

A common personal finance trap is to concentrate on saving and investing to finance our eventual retirement without thinking enough… Read more »

How to explain our irrational behaviours

Nobel prize-winning economists do not usually have a lot to say to everyday investors. This year is different. Professor Richard… Read more »

Setting up for retirement success

Benchmark magazine interviews Brian Long, Head of Retirement, NAB Asset Management Brian, most Australians save for their retirement through our mandatory… Read more »

The Automatic Opportunity

Simon Blanchflower, Altrinsic Global Advisors The world is changing fast. The threat of disruption is real and growing with the… Read more »

With our Heads Firmly in the " Cloud"

Alicia Gregory, Head of Private Equity, MLC So much of our data is stored in the “cloud” these days. But… Read more »

Change is in the wind for China

Dr Ben McCaw, MLC The past 18 months have presented investors with significant geopolitical risks. There has been a profound… Read more »

3 Reasons why Unwinding of Quantitative Easing Matters

What is quantitative easing? Quantitative easing is when central banks purchase assets from the market to lower interest rates and… Read more »

Mid – Caps are anything but Middling

Antares Equities Does company size matter when it comes to investment returns? Antares Equities explains. A commonly held perception in… Read more »

The power of extra salary-sacrificed contributions

As the first quarter of 2017-18 draws to a close, it's worth checking whether you are making the most of… Read more »

I want a retirement investment plan – where do I start?

Many Australians don’t have to think twice about saving for retirement because their employer regularly contributes on their behalf. These… Read more »

Salary sacrificing super

If you make voluntary super contributions through a salary sacrifice agreement you should be aware of how your contributions will… Read more »

Five investment barriers to recognise if you're over 55

For investors approaching their mid-fifties, or for those who've already met the milestone, it's worth being aware of the psychological… Read more »

Why Our Careers Are Not Ours Alone!

Our careers are not ours alone. They are the product of and the input of many. From our teachers –… Read more »

The great Australian (retiree) dream

A recent Vanguard research paper, Retirement transitions in four countries, found that that 59 per cent of Australia's recent retirees surveyed… Read more »

Starting an SMSF in your 20s?

As with many things about investing, deciding when and whether to setup an SMSF should much depend on individual circumstances… Read more »

The digital investor and the 'ostrich effect'

The internet has certainly given investors much more immediate access to information about their portfolios, investment research and investment markets…. Read more »

7 rewarding one-day Australian mountain climbs

There’s something special about climbing a mountain, and it’s a feat that conjures up a whole range of thoughts and… Read more »

Super is super for young people

ASFA CEO Dr Martin Fahy and young Australians discuss super – why it’s the best bet for saving for retirement…. Read more »

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

Even if you're unaware how damaging long-term stress can be, you may be acutely familiar with its immediate side effects…. Read more »

Should you downsize?

By the time you are considering retirement, it is likely that you will have substantial equity in your home. You… Read more »

Investors acting their age

Young investors can fall into the trap of being too conservative for their own good, forfeiting compounding long-term returns from… Read more »

Why currency matters to Aussie investors

There is nothing like an overseas holiday to remind you of the power of currency movements to either help or… Read more »

How much can you afford to spend in retirement?

How much you can afford to spend in retirement is determined by a number of different factors including investment markets,… Read more »

The risks of trying to pick future winning stocks

It's tough for both professional and personal stock pickers to consistently beat or at least match the market. But maybe… Read more »

2017 financial year in review – John Owen

A rewarding year for investors The financial year to 30 June was a very welcome contrast to the previous financial… Read more »

Busting the 1 million dollar retirement myth

It’s often been mentioned that $1 million or more in superannuation savings is needed to live a comfortable retirement. This… Read more »

Don't become a one-eyed investor

Behavioural economists warn investors about a trap known as "confirmation bias". This involves deciding on a course of action and… Read more »

Global diversification through ETFs

Investors are increasingly using Exchange Traded Funds (ETFs) as a straightforward, low-cost way to gain exposure to overseas shares. Recent… Read more »

Home is where the heart is

It can It can be hard to shake the instinct to stick with what you know. ‘Home bias’ – the… Read more »

Beyond super: Our other personal investment market

Many investors may not realise that Australia's super and non-super personal investment markets are almost equal in value. Yet super… Read more »

The Australian Implications Of Trump's US Tax Changes

A key policy of the newly installed Trump administration is to dramatically change the taxation regime. Surprisingly, the US has… Read more »

5 key tips when fishing with children

BIG4 Guest blogger, managing director of CH Smith Marine, and former president of the Boating Industry Association, Rod Smith, gives… Read more »

Advocacy to support the rights of older people

Most of the time aged care services work well and the people who use them are happy with the service… Read more »

7 tips to stop you under-charging and over-servicing

By Flying Solo contributor Kathryn Williams Over-servicing clients is a common problem for small business owners; we feel it’s what… Read more »

4 simple ways to conquer stress AND increase productivity

Our busy lifestyles often mean high levels of stress impacting productivity and health. Research shows practising mindfulness can reverse these… Read more »

A vital SMSF question: A corporate trustee or individual trustees?

A self-managed super statistic that doesn't seem to change much over the years is the strong preference of new SMSFs… Read more »