Hot Topics

Whatever... money management teenager style

May 12, 2015 | Robin Bowerman, Vanguard Investments Australia

Teenagers can be a worry - just ask any parent. But when it comes to understanding all things financial, today's teenagers have to deal with a much more complex and in many ways less tangible world.

Unusual indeed is the teenager today without a mobile phone - and the financial risks that come along with big data bills - while the world of online banking, debit and credit cards is just a login away.

Reinforcing benefits of total-return investing

May 12, 2015 | Robin Bowerman, Vanguard Investments Australia

The Reserve Bank's cutting of official interest rates to a record low of 2 per cent should reinforce to income-focused investors why the concept of total-return investing makes sense.

In short, total-return investing involves investing for both cash flow and capital appreciation.

And under a total-return approach, investors needing more income to finance their lifestyles than generated by their portfolios draw down against their portfolio's capital appreciation.

Asset allocation through the ages

April 16, 2015 | Robin Bowerman, Vanguard Investments Australia

The majority of members of super funds have their retirement savings in the default or MySuper options. This is both a strength and weakness of the Australian superannuation system.

The weakness manifests itself because with mandatory contributions and default options there are low levels of member engagement with their retirement savings.

Greying, working and contributing

April 16, 2015 | Robin Bowerman, Vanguard Investments Australia

The ageing of the population - as outlined in the latest intergenerational report - together with a growing trend to work past traditional retirement ages inevitably means more of us will want to contribute to super for longer.

Perhaps you are among the many choosing to extend their working lives into older ages by winding-down their working hours as employees or becoming owner/operators of small businesses.

An investor's personal trainer

March 12, 2015 | Robin Bowerman, Vanguard Investments Australia

What value do you expect a financial adviser to add to your investment success? If you expect an adviser to create an investment portfolio that will consistently outperform the markets, you are likely to face disappointment.

It is a reality that an adviser will almost inevitably struggle to add value for a client through market-timing and selection of securities - particularly after costs and taxes are taken into account. This mirrors the difficulty faced by the majority of actively-managed funds despite their experience and resources.

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