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Latest Insights

Paul's Insights: Home loan rates plunge. Has yours?

Here at InvestSMART we encourage investors to embrace low fee investment choices. But plenty of Australians could be paying more than necessary on their home loan at a time when interest rates are the lowest in 70 years.
6hrs ago

Top 5 mistakes new investors make

Investing is a great way to build wealth and save for your retirement, but there are some common mistakes first-time investors tend to make. If you're just starting out, here are five of the biggest pitfalls to avoid.
1wk ago

Paul's Insights: Loyalty but at what cost?

Nine in ten Australian adults are members of a loyalty scheme, and the chance to score a freebie can be very appealing. But consumers aren't the real winners of these schemes.
1wk ago

Paul's Insights: Small fees. Big impact

Human beings love to save money. Yet when it comes to investing, we often pay high fees in the belief that this will lead to higher returns. Over time though, fees can have a devastating impact on our wealth.
3wks ago

Yawning into retirement

With the help of Warren Buffett and a retirement calculator, you can cruise into a happy retirement.
2mths ago

The death of yield?

Holding a term deposit right now is not much better than keeping cash under the mattress. Even with that extra mattress protector of a government guarantee.
2mths ago

Paul's Insights: Where do I invest?

I'm often asked, "Paul, what do you invest in?" In my younger days, when I was at uni, I was taught that one-third in fixed interest/cash, one-third in property, and one-third in shares would probably do it. But the reality is that asset allocation is as individual as fingerprints.
2mths ago

Wading into riskier waters

You wouldn't run and jump head first into an unknown body of water. You'd wade in, check the temperature, test the depth, and look for submerged objects. Sure, it's not as fun as a swan dive but it's a hell of a lot safer.
2mths ago

When do you rebalance?

In the first six months of this calendar year the ASX 200 Accumulation index has returned 19.73%. International markets have returned 17.29%. Eye-watering investment returns really.
2mths ago

Is the RBA draining your retirement income?

Income is becoming harder to find now the RBA has slashed the cash rate and it's making the average term deposit look grim and could get grimmer. So, just how grim are they?
3mths ago

Paul's Insights: Hacking is not a victimless crime

It reads like something out of a sci-fi blockbuster. A man sits outside a Melbourne office block using his laptop. He keeps to himself and isn't noticed by passers-by. He's not interested in entering the building - but he's very interested in what's going on inside.
3mths ago

Why should investors look at ASX listed active funds?

There has been a quiet revolution in the range of investment products available on the Australian Securities Exchange over the last couple of years, with the introduction of actively managed Exchange Traded Funds. Starting with Magellan in 2015, when they launched their Magellan Global Equity Fund, there are now many managers and investment choices in this space.
4mths ago

Paul's Insights: Rate cut spells time to shop around

The Reserve Bank's decision to cut the cash rate by 0.25% to 1.25% sees interest rates falling to new historic lows. But long before the Reserve swung into action, plenty of lenders had taken their own hatchet to home loan interest rates, and there are some exceptional deals up for grabs.
4mths ago

Paul's Insights: Managing the risk of negative equity

Over the past few years, the term 'negative equity' barely rated a mention. In a booming property market it simply didn't seem like a problem. But figures from the Reserve Bank of Australia (RBA) show a growing number of Australians run the risk of being in the red with their home equity.
4mths ago

Paul's Insights: Rate war benefits borrowers

The Reserve Bank may have kept the official cash rate on hold in May but behind the scenes, banks are taking the axe to home loan rates - and borrowers are the winners.
5mths ago

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