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    In Australia, management fees charged to savers by investment and superannuation managers get a lot of air time but in fact they are actually less than half the story. The most important element for investors is not fees but net returns, i.e. what’s left for the...

    There are several definitions of Alternative Investments but there’s one thing they are not: conventional mainstream investments such as shares, cash and bonds. They’re specifically designed to be as uncorrelated as possible to the usual “market”, that being shorthand for the sharemarket. If possible, Alternatives should...

    Many investors make the mistake of putting all their financial eggs in one basket. If anything goes wrong with that one product or asset they are in serious trouble. That’s why, as their savings increase, they should diversify or widen out the type of their...

    What are franking credits and why are they important to investors? Not everybody understands how dividend franking works but a huge number of Australian investors, particularly retirees, are the comfortable beneficiaries of a system brought in by Treasurer Paul Keating in 1987 to eliminate the double...

    What is fixed income? Many sharemarket investors are startled when they are told that the global fixed income market is more than twice the size of all those sharemarkets put together. It doesn’t resonate quite so much with retail investors since the big part of the fixed...

    The goal for many people is to earn money on the side, while they go about their daily lives. For the most part, this is known as having a passive income and many have the goal of using this cash flow to achieve financial independence...

    [vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text]ETF stands for Exchange Traded Fund and is shorthand for a parcel of securities (usually shares or bonds) that are traded in the same way as a single stock. In other words, it’s a simple way to own a...

    One of the great misunderstandings among retail and Self Managed Super investors is the belief that infrastructure stocks and property trusts are always good assets to hold if you are seeking a secure income stream. Sometimes, these stocks are even referred to as “bond proxies”, suggesting...

    One of the biggest mistakes amateur investors make is to get more concerned with fees than with net returns. They are mesmerised by the prospect of saving money rather than growing their super pie. It’s true, as superannuation expert Jeremy Cooper memorably pointed out not long after...