Category: Financial Planning
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How having a flat tyre could send many Australians flat broke
Consumer Behavior, Credit and Loans, Diversification, Economic Insights, Financial Planning, Financial Wellness, Lifestyle, Lifestyle & Well-being, Personal FinanceThe Australian Bureau of Statistics reports that the national saving ratio has plummeted to a 17-year low of 1.1% of total disposable income. Nearly half of Australians have less than $1,000 in savings, with 20% having no savings at all. This financial instability is causing significant stress, with 76% of respondents feeling strained by their…
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Dozens of Australian businesses have gender pay gaps above 50%
Australia’s national gender pay gap stands at 12%, with men earning an average of $1982.80 weekly compared to $1744.80 for women. This disparity results in women earning 88 cents for every dollar earned by men, amounting to $12,376 less annually. The data, excluding overtime and junior or part-time employees, reveals significant state and industry variations.…
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Trend following in crises
In times of market turbulence, trend-following strategies can offer valuable diversification for investment portfolios. Winton’s latest article delves into how these strategies perform during major equity drawdowns and the challenges faced by Commodity Trading Advisors (CTAs) in providing “crisis alpha.” The piece suggests the benefits of maintaining a strategic allocation to trend-following CTAs, showcasing their…
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Building better money habits with your kids
Financial Health, Financial Planning, Financial Wellness, Investment Strategies, Life Events, Lifestyle, Lifestyle & Well-being, Personal Finance, Retirement PlanningGenerally speaking, we Australians are pretty financially savvy, that is, we understand the how and why of effectively managing our money. Unfortunately, that doesn’t mean we put that know-how into practice to make astute financial decisions. According to the Australian Bureau of Statistics (ABS), the average Australian household debt has risen by 7.3% (over $260,000)…
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What are investment bonds, and how could they be used?
Family Law, Financial Planning, Investment Strategies, Life Events, Personal Finance, Tax StrategiesPopular in the days before compulsory superannuation, investment bonds fell out of favor as super became the preferred tax-advantaged environment. With tighter restrictions on superannuation contribution limits and eligibility requirements, bonds might be worth a fresh look. Investment bonds are a type of insurance policy primarily used as an investment vehicle. Available from a range…
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How investment diversification can help you achieve your goals
Benefits of diversification Diversification has several benefits for you as an investor, but one of the largest is as a strategy to reduce investment risk and to achieve more stable returns over the long term. Diversification can lower your investment portfolio’s risk because different types of investments perform differently depending on the existing market conditions.…
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