Responsible & ethical investing – what are they & what’s the difference?

Responsible & ethical investing – what are they & what’s the difference? Whether it’s the war on waste, human rights abuses, animal rights or climate change that is your issue of choice (or perhaps you’re concerned about all of them), more of us are taking an interest in making decisions with our money that reflect our values.  Recent research from the Responsible Investment Association Australasia (RIAA) shows that 92% of Australians now expect their super …

Five factors for nervous investors

Five factors for nervous investors You wanted shares to buy last year but didn’t get around to it, then prices rose and so you were waiting until prices fell, but now that they have fallen you are worried they will fall further. I have good news and bad news for you. The bad news is as a ‘Nervous Investor’, you will never find a perfect time to invest, when everyone agrees markets are going to …

First dollars out of the wallet

First dollars out of the wallet Falling house prices and rising debt costs are causing financial stress for highly leveraged Australian home owners, impacting patterns of consumer spending. In light of this wallet tightening, investors should take care that their equity exposure is concentrated on those businesses capturing the first dollars out of the wallet each pay day. Where did all the wealth come from? During the upwards phase of the economic cycle, Australians took …

How to invest in property without actually buying one

How to invest in property without actually buying one You don’t have to be a landlord, deal with tenants or put a deposit down on a home to get your foot in the property market. While investing in property may be a dream of yours, saving for a deposit, dealing with tenants and paying off a mortgage mightn’t be. The good news is there are opportunities where you can invest in property without actually buying one, with …

Why investors should go back to basics in a low-return world

Why investors should go back to basics in a low-return world Investors can be forgiven for wondering how they are going to continue to make money in financial markets. Cash rates globally are low and are likely to remain so, especially in Australia. This article looks at a ‘back to basics’ investment strategy suitable for a low-growth environment. The US Federal Reserve has been hiking cash rates. But despite talk of a post-QE (quantitative easing) …

Investment checklist: Developing an investment strategy

Investment checklist: Developing an investment strategy No matter what stage of investing you are at, it’s important to have a strategy that matches your goals and personal needs and to keep checking that it’s working for you. Here’s a checklist of issues and questions to help you along your investment journey: Your destination: Are you clear on why you want to invest and what you want to achieve? For example, do you want to accumulate money …

Investing for a rainy day: Key investment concepts you should understand

Investing for a rainy day: Key investment concepts you should understand Rather than saving for a rainy day, as the old saying goes, why not save and invest now to achieve your future financial goals? Here we look at some advice from leading financial planners on the key concepts that should inform your investment strategy. Chris Giaouris, CERTIFIED FINANCIAL PLANNER® professional, partner and principal advisor at Chronos Private in Melbourne likens having an investment strategy to going on …

To save or invest?

To save or invest? In today’s low interest rate environment, it’s hard to get ahead with your savings to buy a home or other personal goals. But if you don’t have much to lose is it too big a gamble to be investing your money instead? This article draws on expert advice from a planner about whether investing is a good option for making more from the money you have. We’ll talk about different strategies …

Don’t just invest for your children, invest with them

Don’t just invest for your children, invest with them Investing with your child can help them build a nest egg and improve their financial literacy. Gifting your child with a nest egg of investments is a wonderful idea, and will no doubt give them a kickstart into adulthood. But some experts say we may be approaching this incorrectly; we could be investing with our children, rather than for them, to give them not just money …

Get goal savvy

Get goal savvy No matter what your financial and lifestyle goals may be, here are some proven techniques for setting yourself up to succeed in reaching them. Write your goals down, and review regularly CERTIFIED FINANCIAL PLANNER® professional Brendan Burrows of PSK Financial Services in Sydney says financial goals “need to be specific, clear and measurable. If this formula is not followed, the goal loses its relevance, and you may never know if you have actually …