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Managing your financial situation always involves tension between how you live your life now and preparing for your future – whatever that looks like. The worry about not getting the balance right and making unnecessary sacrifices now – or not having enough money for the things you want to do in the future is a...Read More

When it comes to investing in shares, it’s often said that time is your friend. The data shows that investing small amounts consistently over time and riding out the ups and downs of the market by holding onto your investments for the long term, can produce a healthy return. Over the past two decades, the...Read More

What it means to combine finances Even if you have a strong relationship, there are some important details to consider before joining finances. Money Smart's guide to relationships and money makes some key points: If your partner defaults on a joint loan, you may have to pay for the whole amount – even after your...Read More

How to dispose of shares You can dispose of your shares in the following ways: selling them giving them away (gifting shares) transferring them to a spouse as the result of a breakdown in your marriage or relationship through share buy-backs through mergers, takeovers and demergers because the company goes into liquidation. It's important you...Read More

Teaching kids about money The truth is, adulthood is rife with financial challenges. The more prepared your children are, the better. From budgeting and saving, to understanding the true value of money, read our guide on teaching your kids financial literacy. As a parent, you play a vital role in helping your child establish positive...Read More

Rather than worrying about day-to-day price movements, focus here instead. If you checked on the status of your investment portfolio today, don’t worry. You’re definitely not alone. In fact, you may have looked at how your various investment holdings are faring multiple times by now, just to see how much you’ve gained or lost since...Read More

The transfer of wealth and financial support from older Australians to their children and grandchildren is becoming a hot topic for families around the country. Australians over 60 are set to transfer an estimated $3.5 trillion over the next two decades1. And new AMP research highlights the challenges older Australians are facing about the best...Read More

Discover why having a core-satellite approach to your portfolio is a powerful investment tool. What is a core-satellite strategy and why is it so powerful? In essence, core-satellite is an investment approach that combines the benefits of index funds—lower cost, broader diversification, tax efficiency and lower volatility— with actively managed funds or other direct investments...Read More

As the financial year draws to a close, it's the perfect time to review your financial affairs and set the stage for a successful new financial year. By taking care of essential tasks and implementing strategic planning, you can position yourself for a smooth transition and a strong start for the new financial year. Topping...Read More

Companies use debentures, secured and unsecured notes to raise money from investors. They offer fixed interest payments but returns often depend on risky investments. You could lose all your money if the company or investment fails. How debentures, secured and unsecured notes work Companies set the interest rate on the debentures, secured and unsecured notes...Read More