Search educational content to inspire your investment journey
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In a year that started with high market valuations and the ever-present threat of inflation, there have been plenty of surprises to unnerve investors. Despite this, markets have been largely resilient, with many investors staying the course.
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We invest for all sorts of reasons, but at the core, it’s to improve our financial lives – to afford the things we want or need in life. This is the reason why the terms ‘yield’ and ‘total return’ can be so important when you are choosing an investment – they are not interchangeable, though they are often confused for being so.
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It’s almost a certainty that you have invested in a multi-asset portfolio or fund at some point in time. Most of us will spend our whole lives in one – your superannuation is run as a multi-asset portfolio after all. But when it comes to investing outside of super, many investors can also find plenty to like about these options as a wealth solution.
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Retiring soon and wondering how to structure your investments? There are a range of strategies you can follow, from maintaining your existing approach to shifting into a new strategy. One approach investors use is known as the 3-bucket strategy.
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ETFs have grown in popularity in the last decade, and beginner investors are often encouraged to consider them. But beginner doesn’t mean foolproof and even investments like ETFs can go wrong when investors don’t know what they are really buying and how best to use them. It’s also worth noting that beginner doesn’t mean that ETFs can’t be part of more sophisticated strategies either.
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The only certainties in life are death and taxes, as the saying goes. Of course, what can be less certain is exactly how tax is applied to your earnings, particularly those from investments. Depending on the type of investment you have and what type of earnings you receive from it, tax can be affected.
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Newer investors looking for managed investments traded on the ASX may be less familiar with the concept of listed investment vehicles (LIVs). It may even surprise some to know that there was a time where interest in these types of investments far outweighed interest in ETFs, and they offered the only form of tradable access to professionally managed investments for decades.
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If you want the possibility of a bonus tax refund, or a discount on your tax, then don’t forget to check your franking credits. If that concept sounds vaguely familiar, it should be – it’s an integral part of being an Australian income investor, particularly if you are a retiree.
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There have been billions lost to failed property investments in the past.
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How we invest can make a big difference come tax time. At the more basic end, this could mean factoring franking credits as part of our share portfolio. Or it could mean decisions on when to sell to manage capital gains.
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When you are investing for income, you are looking for capital preservation, a level of growth and consistent income. But what if the fund you pick fails to deliver? Worse still, what if your money is lost?
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You’ve decided to join more than 1.2 million Australians in managing your own self-managed superannuation fund (SMSF), but where do you start to build your portfolio? Just as with any investment portfolio, you can make it as simple or as complicated as you like, but it needs to align with your investment strategy.