Hot Topics

Don't let the investing 'fast lane' fool you

August 27, 2015 | Robin Bowerman, Vanguard Investments Australia

We've all been there: stuck in crawling, grid-locked traffic, when all of a sudden the lane next to you starts moving and the car beside you surges ahead and disappears from view.

Your first instinct is probably to work out how quickly you can get into that fast moving lane and shave minutes off your travel time. You carefully time your move so you slip into an emerging gap in the traffic, then power past the other motorists who don't possess your superior driving and anticipation skills.

Good (investor) behaviour

August 27, 2015 | Robin Bowerman, Vanguard Investments Australia

An understandable challenge for investors during periods of higher sharemarket volatility is to keep making rational, considered investment decisions and to keep focusing on their long-term goals.

As behavioural economists remind us, investors often act irrationally - particularly when markets are rising or falling sharply. And their common behavioural biases can become significant barriers to investment success.

What SMSF trustees really want

August 09, 2015 | Robin Bowerman, Vanguard Investments Australia

What are the hardest aspects of running your SMSF? And are there any areas where you would like financial advice but are not currently receiving it?

These are just two of the key questions asked in a comprehensive survey of almost 4000 SMSF trustees for the 2015 Self Managed Super Fund Report, recently published by Vanguard and specialist researcher Investment Trends.

The gender gap in retirement

August 09, 2015 | Robin Bowerman, Vanguard Investments Australia

The word poverty evokes a stark picture of life in retirement. That is the reality facing a disproportionate number of women in Australia as a result of the ongoing inequality in our workplaces.

Given the advances feminism has brought to our society and the broad acceptance today of equal rights and equal pay it was confronting to read a research white paper compiled by ANZ on the barriers to achieving financial gender equity.

Going undercover

July 15, 2015 | Robin Bowerman, Vanguard Investments Australia

First the good news. Millions of Australians gain their life and disability insurance as well as income-protection insurance through their super funds' default cover. And the level of that default cover tends to be much more adequate than a decade ago. Now the not-so-good news. It can be a costly mistake to assume that your super fund's default insurance cover is adequate for your circumstances.

Underinsurance in Australia 2014, a 94-page report published over the past week by Rice Warner Actuaries, estimates that the median default cover provided by super funds cover meets 60 per cent of the life insurance needs for average households. However - and this is a big however - the funds' default death cover meets a much lower proportion of needs for families with children.

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