Investment cycles – why investors need to be aware and wary of them | AMP Capital

Investment cycles – why investors need to be aware and wary of them Key points Cyclical fluctuations are a key aspect of investment markets. Most are driven by economic developments but are magnified by swings in investor sentiment. Of particular importance are the long-term cycles which are often driven by waves of innovation and the 3-5 year business cycle. Right now, we are still in the downswing phase of the business cycle and may have …

Be aware of your money biases

Be aware of your money biases Knowledge is power. The more you’re aware of how your mind works the more you can adjust your attitude towards money. Six cognitive biases that influence how we save, spend and invest money We like to think we’re rational beings. But the reality is that a lot of our daily behaviour is influenced by our subconscious. Behavioural scientists have looked at the way human beings are wired and discovered …

Why tax aware investing can help boost retirement income

Why tax aware investing can help boost retirement income With the huge bulge of baby boomers entering retirement, and yields at near-record lows, there is an emerging rediscovery of the vital role equities can play in delivering retirement outcomes. Equities provide retirees with a regular and reliable income that grows over time. They not only generate income and strong expected returns, but also protect against inflation risk and longevity risk (the risk of outliving your …