Latest Insights

Setting the Standard - Financial Advice in 2020

At the risk of oversimplifying: it looks like being another year of geopolitics (ie Donald Trump) versus central banks (ie Jerome Powell) - the former causing volatility and dragging them down, the latter propping them up.
21hrs ago

November in Review: The perfect microcosm of the macro

Six equity markets made new record all-time highs and closing highs, with another five within 2 per cent of their respective all-time highs. However, like July, there wasn't much rejoicing about the asset appreciation, in fact there was almost none at all.
1mth ago

Paul's Insights: The Santa Claus rally - fact or fiction?

Christmas is full of traditions, and some investors will be eagerly awaiting the arrival of the Santa Claus rally - the uptick in shares often seen in the final trading days of the year. Is it a coincidence or is the Santa Claus rally real?
1mth ago

Two companies ticking the boxes

Short term performance is not something we tend to focus on here at InvestSMART, so it came as a pleasant surprise to us when we saw the InvestSMART Ethical Share Fund (ASX:INES) was the highest performing actively managed Australian equity ETF* for the month of October returning 1.8%.
1mth ago

An income injection

There has never been a harder time to be holding cash and as we head towards the festive season and the end of 2019, it is not going to get any easier.
1mth ago

Paul's Insights: Selfies favour shares

It's official - Australia's army of self-managed super funds (SMSFs) makes up one of the biggest like-minded group of investors on the Australian sharemarket.
1mth ago

Paul's Insights: Super zombies - could you be affected?

Human beings can be a funny lot. On one hand the Australian Tax Office (ATO) receives around 230 tip-offs each day about businesses operating in the black economy. Yet vast numbers of Australians are being ripped off on their super each year, and many of us do nothing about it.
2mths ago

October in Review: White Knights saving us from what again?

Historically, October is in the top two worst months of the year - May being the other. However, the 2019 enigma was again on display last month, as the initial collapse was quickly bid up and global markets started to question if the selloff was justified. October ended in the red, but the momentum it built through the middle of the month has already filtered into November.
2mths ago

Paul's Insights: Retirement investing? Beat fees not the market

I often have conversations with clients around investing when they retire. Many treat retirement as an 'end date' for active investing. But that shouldn't be the case. And keeping an eye on the cost of investing is especially important when we leave the workforce.
2mths ago

When we are happy to say goodbye

Goodbyes are always hard; however, they can be a little easier when we see clients leave InvestSMART for the reasons they came to us in the first place - achieving their personal financial goals.
2mths ago

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.
3mths 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.
3mths 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.
3mths 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.
3mths ago

Yawning into retirement

With the help of Warren Buffett and a retirement calculator, you can cruise into a happy retirement.
5mths 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.
5mths 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.
5mths 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.
5mths 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.
5mths ago

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