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By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia As an investor, it can be worrying when returns move into negative territory. Many of us are used to seeing that with share investments, but it's less common when it comes to high-quality, investment grade bonds. In recent months, however, that's exactly what's been happening with...Read More
After a bit of a wake-up call we managed to change our money habits… here’s how we did it. Before I start I’d better explain our attitude towards money. We were having dinner with friends the other day and they were regaling us with tales of getting stuck into their spreadsheets on Saturday nights. It’s...Read More
If you’re a sole trader and need to get your taxes organised, start by reading these expert tips for maximising your return and get a jump start on next financial year. End of financial year can be stressful for any business owner, especially when it comes to completing your tax return. But rest assured, with...Read More
Key points - Higher bond yields are normal in economic recovery and should not be a major problem for shares if they are matched by rising earnings. But too rapid a rise in bond yields risks driving a deeper correction in shares. - Central banks want higher inflation but will look through any short-term spike....Read More
There’s no denying the pandemic has significantly affected the finances of many Australians. Some of us are spending more, some are cutting back on non-essential spending and for others, the uncertainty has challenged us to save money for a rainy day, like never before. According to AMP research, around one in 10 Australian employees feel...Read More
If you need help in your home, or can no longer live independently, the Australian Government provides a range of aged care services. These services are subsidised, but you need to contribute to the cost if you can afford to. Where to start The first thing to do is think about what you need. You...Read More
In 2020, the race that stopped the nation was arguably not the Melbourne Cup, but the abandoned Australian Grand Prix, which had been scheduled for March 15 in Melbourne. For many, the shutting down of this race on the day really drove home the point that we were on the precipice of a world-changing moment....Read More
If you're thinking about selling your home and downsizing, consider the pros and cons. Check if selling your home affects your government benefits. Consider the costs and your needs before you downsize Take time to consider your needs. Make sure your new home suits your lifestyle, budget and level of independence. Some of the costs...Read More
Getting a good balance in 2021
April 27, 2021Financial Planning, Superannuation
By Tony Kaye, Senior Personal Finance Writer, Vanguard Australia Reviewing the structure of your investment portfolio is an important and ongoing task that should ideally be undertaken at least once a year. Doing so ensures your portfolio asset allocations remain aligned with your tolerance for risk and your broader long-term investment goals. After such a...Read More
Financial wellness is how you feel about your money. It can affect your overall wellbeing and other areas of your life, such as work and family. So, while money isn’t the be-all and end-all, how you feel about it is pretty important. Since 2014, AMP has been commissioning research1 into the financial wellbeing of Australians...Read More