Hot Topics

Why grey mortgage debt is rising

July 30, 2017 | Robin Bowerman, Vanguard Investments Australia

A mix of low interest rates, high housing prices and waves of baby boomers nearing or already in retirement is increasing Australia's levels of grey mortgage debt.

Greater longevity would also have made some of us more comfortable about carrying debt into older ages than in the past.


Getting the jump on extra super contributions

July 30, 2017 | Robin Bowerman, Vanguard Investments Australia

Have you plans to contribute more to super in 2017-18? There are powerful arguments for beginning to make extra regular super contributions from early as possible in a new financial year.

The reality is that many of us wait until the final days of a financial year to decide whether to make extra concessional (before-tax) and non-concessional (after-tax) contributions. This often involves a last-minute dash to contribute by June 30 in any year.


A personal spending check-up

June 25, 2017 | Robin Bowerman, Vanguard Investments Australia

At a time when investment returns and pay rises are typically subdued, a temptation is for investors, including retirees, to take greater risks outside their tolerance to risk in an effort to keep up investment returns.

However, among the other smarter options is for investors is to look for ways to reduce their everyday living costs that hopefully won’t really sacrifice the quality of their lifestyles.


Smart ways to stretch retirement money

June 25, 2017 | Robin Bowerman, Vanguard Investments Australia

Just think that in early June 2008, the Reserve Bank's cash rate stood at 7.25 per cent. Now fast forward nine years to early June 2017 and Australia's current cash rate is 1.5 per cent.

And just think of the impact of falling interest rates on the many retirees who may have become accustomed before the GFC aftermath to financing their retirement from the interest and yields generated by their portfolios.


The right questions to ask yourself in June

June 12, 2017 | Robin Bowerman, Vanguard Investments Australia

June is a favourite month.

It is an important marker: the year's mid-point when you can reflect on progress made to date yet still with enough time left to achieve more before the year draws to a close.

Until you talk tax. Then June takes on more urgency.


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