Hot Topics

'Brexit': What's next for investors?

July 05, 2016 | Robin Bowerman, Vanguard Investments Australia

The votes have been cast and counted, and the people of the United Kingdom (UK) have chosen to exit the European Union (EU).

We expect this vote to have significant impact on the global economy, but it will take considerable time before the effects of 'Brexit' are fully felt in Australia. The most immediate ramification is likely to be political change in the UK, given the bitterness of the referendum campaigns. However, the referendum is not itself a binding decision but will need to be incorporated into an act of the British parliament. Under the terms of the Lisbon Treaty, the UK will then give formal notice to the EU, after which a two-year (extendible) negotiation will be held to decide on the actual terms and conditions of the exit.

Planning for political shocks

July 05, 2016 | Robin Bowerman, Vanguard Investments Australia

Political shocks by their nature provoke strong reactions from investment markets.

Uncertainty, courtesy of political or regulatory risk, feeds market volatility as investors - professional and individual - try to decode the meaning of the changing environment and how to value assets accordingly.

The insidious side of low interest rates

June 05, 2016 | Robin Bowerman, Vanguard Investments Australia

Many investors might be worried about a low return environment - but something far worse than a sluggish economy may threaten your personal wealth.

Amid low interest rates and volatile market conditions, criminals using fake investment schemes are an increasing risk to investors hungry for higher returns, according to a major report "Targeting Scams" released this week by the Australian Competition and Consumer Commission (ACCC).

Constant reminders about critical financial turning points

June 05, 2016 | Robin Bowerman, Vanguard Investments Australia

The federal Budget's heavy focus on superannuation will no doubt convince many fund members to think about the adequacy (or inadequacy) of their retirement savings.

And this month's cut in the official cash rate to a new record low is likely to encourage us to think about the size of our mortgage and whether we should be increasing repayments while rates are low.

Homeowners take advantage of record-low rates

April 28, 2016 | Robin Bowerman, Vanguard Investments Australia

Many home owners will no doubt treat the Reserve Bank's decision this month to leave the official cash interest rate at a record low as a continuing opportunity to further break the back of their mortgages.

As the central bank's statistics show, the official rate was 4.75 per cent at the beginning of November 2011 when the bank made the first of 10 cuts to bring the rate to just 2 per cent. And it has remained at that low for almost a year.

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