Latest Insights

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.
just now

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.
6d ago

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.
1wk 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.
3wks 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.
4wks 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.
1mth 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.
1mth 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.
1mth ago

Yawning into retirement

With the help of Warren Buffett and a retirement calculator, you can cruise into a happy retirement.
3mths 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.
3mths 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.
3mths 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.
3mths 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.
3mths 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?
4mths 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.
4mths 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.
5mths 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.
5mths ago

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