Hot Topics

New Year (personal finance) housekeeping

February 05, 2016 | Robin Bowerman, Vanguard Investments Australia

The holiday break may have provided an ideal environment away from the usual day-today distractions to think about practical ways to improve your personal finances over the next 12 months and beyond.

One way to begin your personal finance housekeeping is to take a clean sheet of paper - or set up a new document on your computer - and jot down a few pointers or resolutions for 2016 and well into the future.


When a month seems a long time...

February 05, 2016 | Robin Bowerman, Vanguard Investments Australia

While volatility in investment markets cover both up and down moves in prices, it is naturally the big negative moves that capture attention. It is a rare investor indeed who is unhappy about sudden moves up.

It is the disconcerting sense of instability that flows from periods of significant market volatility that promotes the natural concern of investors.


What the marshmallow test means for patient investors

January 31, 2016 | Robin Bowerman, Vanguard Investments Australia

You have probably heard of the classic marshmallow test conducted more than 40 years ago by US psychologist Walter Mischel.

Professor Mischel, then at Stanford University, led this unique research into delayed gratification - that is, the ability to wait for something that is really wanted.


The secrets of supercharged savers

January 31, 2016 | Robin Bowerman, Vanguard Investments Australia

A recent personal finance article in The New York Times features the real-life stories of "supersavers" who heavily focus on wealth creation at almost every opportunity - yet without sacrificing an occasional indulgence.

One of these supersavers, for instance, is an IT security specialist who set himself a goal at 29 of having US$1 million in an investment account by his 35th birthday.


Good news on credit card debt but take care

January 11, 2016 | Robin Bowerman, Vanguard Investments Australia

Retailers may not like it but many shoppers are demonstrating a reluctance to spend up on their credit cards in the lead-up to Christmas.

The latest Reserve Bank statistics show that the average outstanding balance for interest-charging credit cards fell by $25.90 or 6.3 per cent during October to $1,953.20. This is almost a 10-year low for an October month.


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