Hot Topics

Money-smart ageing

June 04, 2015 | Robin Bowerman, Vanguard Investments Australia

All of us expect to slow down as we age, affecting many aspects of our lives. Our ability to deal with money is obviously not immune from the relentless march of ageing.

Indeed, a recent personal finance feature in The New York Times points to research over the years showing that our capability to handle our money is one of our first skills adversely affected by age.

An investor's challenge

June 04, 2015 | Robin Bowerman, Vanguard Investments Australia

An elementary challenge for investors is to decide whether to invest in actively-managed investment funds, index-tracking funds or a combination of both.

Investors face this challenge when investing in their own name, through a self-managed super fund, a large super fund offering an index investment option, a family trust or in another way.

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.

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