5 Tips to Green Investing

5 Tips to Green Investing How to build environmental, social and governance factors into your investments The climate change debate has made it to the top of the news agenda, with many Australians now considering what they can do to help the environment. For some, this will include making changes to their finances in line with their environmental values. Whether it’s through super, investments or savings, more and more people are reviewing their financial arrangements …

Super investment options – what’s right for you?

Super investment options – what’s right for you? When it comes to superannuation, most funds offer a range of investment options. If there’s one thing certain in life it’s change. And generally your attitude towards saving and investing will change as you get older. How your super is invested when starting your first job may not be the right approach when you’re approaching retirement. Luckily you can change your investment options at any time and …

Boost savings with compound interest

Boost savings with compound interest If your goal is to save for the future, or perhaps start putting away for your children’s education – then unless you plan on putting your savings under your mattress, the sooner you start the better. That’s because you could be missing out on earning compound interest along the way that could make a stark difference to the overall amount you save. The difference between simple interest and compound interest …

Take control of your finances now for the new financial year.

Take control of your finances now for the new financial year. If you set yourself money goals at the start of 2019, the upcoming new financial year is a great time to check if you’re on track. And if you didn’t set any goals – or if you have strayed off track – this is the perfect time to get organised, write a checklist and stick with it! Don’t wait until 1 July to start. …

How to save money

How to save money Saving money doesn’t just happen, but these steps could help you to reach your saving goals sooner. How Australians save Research has found that almost three quarters of Australians surveyed save by putting spare money into a savings account, whether they do this themselves or via an automatic transfer. Other popular savings methods include keeping savings money in an account they can’t touch, building up extra savings in their transaction account …

Ways to invest your money

Ways to invest your money If you’re interested in seeing what your options are outside of investment property and super this article explores some of the different investment options available. Cash investments If you put your money into cash investments (including savings accounts and term deposits), the returns will often be lower in comparison to other investment products. However, these types of investment options typically provide stable, low-risk income in the form of a regular …

Things to avoid as a newbie investor

Things to avoid as a newbie investor Whatever your age, if you’re thinking of dabbling in investments like shares, managed funds or cryptocurrencies, here’s a list of common mistakes which are generally worth steering clear of. 1. Failing to plan When looking to invest, it’s generally wise to think about: your current position and how much you can realistically afford to invest (consider what other financial priorities you have or existing debts you may be …

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 …