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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 »

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 »

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 »


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 »

More withdrawals from 'the bank of mum and dad'

Think about what has happened in the six months since Treasury secretary John Fraser spoke of his concerns for retirement… Read more »

Going Global

Australian investors may be well-aware of the basic diversification benefits of global equity investing relative to domestic investing, but franking… Read more »

Life's financial turning points: good and not-so-good

The marriage and divorce statistics for 2015* sadly suggest that 43 per cent of Australian marriages may end in divorce…. Read more »

Is Australia the New Argentina?

By Bob Cunneen, Senior Economist and Portfolio Specialist, MLC “Politics is the art of looking for trouble, finding it everywhere,… Read more »

2017 Federal Budget Analysis

First home savers, downsizers and small business are the winners in Treasurer Scott Morrison’s second Budget – while taxpayers face… Read more »

Your first SMSF portfolio: Don't overlook fundamentals amid super changes

New SMSF trustees face something of a double challenge in 2017-2018: Coming to terms with the long-standing fundamentals of having… Read more »

Almost the world's best for retirees

What are the best countries for a comfortable retirement? What countries have the best retirement-income systems? It seems the answers… Read more »

Super baby debt

Having a family can create a ‘super baby debt’ for mothers of up to $50,000 by the time they reach… Read more »

Dollar-cost averaging for millennial investors

It's hardly surprisingly that a personal finance article in Forbes magazine places the classic and straightforward investment practice of dollar-cost… Read more »

A realty check for accessing super early

When it comes to the basics of life the issue of finding shelter – putting a roof over one's head… Read more »

Dementia is more than just forgetfulness

It may begin with forgetting where you left your car keys and can eventually lead to potentially dangerous situations such… Read more »

Why more women need MONEY as a value and it's benefits

By Guest Author Kelly Magowan Having been a career coach for well over a decade and worked with a diverse… Read more »

Jump-start your retirement savings

Unfortunately, many people would reach their mid-fifties and conclude that their savings are not on track to finance a satisfactory… Read more »

To rent or own: retirement living options

In Australia there are both ownership and rental opportunities for retirement living options. Generally the deciding factor of whether you… Read more »

Preparing for your family's future

No-one wants to think about death in the prime of life. But it's important to decide what will happen to… Read more »

Save early, save often

One of the underlying attributes of Australia's superannuation system is that it starts young adults saving for retirement as soon… Read more »

SMSF planning for the unexpected

  Life is full of surprises. Plan ahead to help your SMSF deal with unexpected issues such as a relationship… Read more »

Continue to protect the skin you’re in

Data from Cancer Council’s recent National Sun Protection Survey reveals just 44 percent of Australian adults wear a hat when… Read more »

Solicitors Versus Conveyancers

A conveyancer is a solicitor, but just deals with property, right? Wrong. The two are different, and it is important… Read more »

What is a Testamentary Trust?

What is a Testamentary Trust? A Testamentary Trust is simply a trust established by a person’s Will.  As opposed to… Read more »

5 cruise destinations you need to add to your bucket list

Papua New Guinea A nature lover’s paradise, Papua New Guinea may only be a fraction of the size of Australia… Read more »

What Is A Non Conforming Home Loan?

A mortgage created for people with bad credit. If you have a bad credit history you’ll generally find it difficult… Read more »

Make your house pay for your family gap year

Think you’ve missed your chance to take a gap year now that you have kids? Think again. A growing number… Read more »

Planning on giving money to your kids?

If you give money to your kids, it won't automatically come back to you if any of those things happen…. Read more »

Financial abuse: Protecting your money from others

Financial abuse occurs when another person, perhaps your partner, one of your children, another member of your family or a… Read more »

The perfect property at an affordable price – it’s not a myth

 So you’ve found your dream home, but it’s in need of a little TLC. While others may see this as… Read more »

A paradoxical relationship: The self-employed and super

It seems paradoxical. The self-employed are among the most enthusiastic supporters of self-managed super yet the majority of the self-employed… Read more »

11 places in Australia to visit when you retire

Retirement is the perfect time to get out and see more of Australia, from the tropical north to the wilderness… Read more »

Choosing an investment option

As part of your retirement savings plan, it is important you understand how your superannuation money is invested by your… Read more »

Judging a super fund's performance

A super fund's investment performance will change from year to year. Your super will grow over the long term, but… Read more »

Where can I get finance for a small business?

Many people in Australia dream of running their own small business but four out of five never do it. If… Read more »

Setting up your own home business

Escape the commute and office politics by working from home. Are you thinking of working from home? There are plenty… Read more »

Having an estate plan is more than just having a will

There seems to be a common misconception that having an estate plan is for wealthy people. Wrong. Having an estate… Read more »

Your marathon investment portfolio

A recent cover feature in The Economist magazine asks readers to imagine a future world where you celebrated your 94th… Read more »

Super – even more important for women

Women tend to live longer than men, making it even more essential that they accumulate enough superannuation to last through… Read more »

Your New Year reading: beyond John Grisham

Behavioural economist and psychologist Daniel Kahneman has begun 2017 by retaining his place near the top of The New York… Read more »

5 tips to save you money in 2017

If you have a hard look at your finances there are almost certainly lots of small steps you can take… Read more »

Cuba: accessible and beautiful

With the start of the first commercial flights between the US and Cuba in more than half a century, the… Read more »

Grey debt and the 'bank of mum and dad'

You may be in the enviable of one day entering retirement with your mortgage paid off, adequate superannuation savings and… Read more »

Get ready for christmas with our top festive tips

Christmas is a joyous time but the lead-up to the festive season can be stressful and can really stretch your… Read more »

America at the crossroads? Challenges for the new president

The political circus has ended, the campaign tent is now folded. Americans appear to have elected Donald Trump as their… Read more »

Making America grate or great again?

This has been a fascinating US Presidential campaign. Neither of the two leading candidates, Hillary Clinton and Donald Trump have… Read more »


5 ways to release capital from your house to fund retirement

1.    Downsize Approaching retirement, you’re likely to have a substantial amount of equity built up in your home, or you… Read more »

Make the most of your health insurance with complementary therapies

The gap between conventional medicine and complementary therapies is blurring, as more and more people are using both – and… Read more »

Could Alzheimer’s be Type 3 diabetes?

We all know that bad diets can trigger obesity, diabetes and heart disease. But did you know that a good… Read more »

FUTURE Dilemmas FOR Healthiness Treatment MANAGEMENT

FUTURE Dilemmas FOR Healthiness Treatment MANAGEMENT The medical treatment model in almost any nation plays a major portion inside the… Read more »