Hot Topics

The digital investor and the 'ostrich effect'

September 18, 2017 | Robin Bowerman, Vanguard Investments Australia

The internet has certainly given investors much more immediate access to information about their portfolios, investment research and investment markets. It has also enabled us to conduct immediate online transactions.

However, the internet, of course, brings positives and negatives for digitally-aware investors. For instance, these investors can more readily overreact to short-term market movements. They can be swayed from their long-time goals by the day-to-day "wall of sound" of online investment/economic/political news and investment commentary.

Cowering in cash? Absconding to alternatives? Understand the risks

September 18, 2017 | Aidan Geysen, Vanguard Investments Australia

As investors, many of the decisions we make to structure and manage our portfolios can be borrowed from our life experience. For instance, if you're sailing a boat and the wind changes, you need to re-trim the sails, or even change course.

Changing strategy to suit prevailing conditions can make perfect sense. However, when it comes to investor behaviour, the action that makes the most intuitive sense may actually be counterproductive to achieving our long term goals.

Why grey mortgage debt is rising

July 30, 2017 | Robin Bowerman, Vanguard Investments Australia

A mix of low interest rates, high housing prices and waves of baby boomers nearing or already in retirement is increasing Australia's levels of grey mortgage debt.

Greater longevity would also have made some of us more comfortable about carrying debt into older ages than in the past.

Getting the jump on extra super contributions

July 30, 2017 | Robin Bowerman, Vanguard Investments Australia

Have you plans to contribute more to super in 2017-18? There are powerful arguments for beginning to make extra regular super contributions from early as possible in a new financial year.

The reality is that many of us wait until the final days of a financial year to decide whether to make extra concessional (before-tax) and non-concessional (after-tax) contributions. This often involves a last-minute dash to contribute by June 30 in any year.

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.

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