Hot Topics

A personal spending check-up

June 25, 2017 | Robin Bowerman, Vanguard Investments Australia

At a time when investment returns and pay rises are typically subdued, a temptation is for investors, including retirees, to take greater risks outside their tolerance to risk in an effort to keep up investment returns.

However, among the other smarter options is for investors is to look for ways to reduce their everyday living costs that hopefully won’t really sacrifice the quality of their lifestyles.

Smart ways to stretch retirement money

June 25, 2017 | Robin Bowerman, Vanguard Investments Australia

Just think that in early June 2008, the Reserve Bank's cash rate stood at 7.25 per cent. Now fast forward nine years to early June 2017 and Australia's current cash rate is 1.5 per cent.

And just think of the impact of falling interest rates on the many retirees who may have become accustomed before the GFC aftermath to financing their retirement from the interest and yields generated by their portfolios.

The right questions to ask yourself in June

June 12, 2017 | Robin Bowerman, Vanguard Investments Australia

June is a favourite month.

It is an important marker: the year's mid-point when you can reflect on progress made to date yet still with enough time left to achieve more before the year draws to a close.

Until you talk tax. Then June takes on more urgency.

Give your children a saving and investing edge - for life

June 12, 2017 | Robin Bowerman, Vanguard Investments Australia

Perhaps the best way to give your young children a lifetime saving and investing advantage is to ensure they are as financially literate as possible, as early as possible in their lives.

By indulging their every whim is likely to have the opposite effect. It may pave the way for them to become conspicuous spenders; a wealth-destroying approach to dealing with money.

A powerful case for global shares exposure

May 28, 2017 | Robin Bowerman, Vanguard Investments Australia

A special report in The Economist magazine this month refers to the flow of data from information technology as the “world's most valuable resource”. Whether you agree or not with this tag, the rising financial and social influence of the world's heavyweight IT corporations is undeniable.

As The Economist stresses, five of the "titans" that "deal in data" – Alphabet (Google's parent company), Amazon, Apple, Facebook and Microsoft – are the five most valuable listed companies in the world in terms of market capitalisation. Their combined net profit for the first quarter of this year alone was more than $US25 billion.

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