Diversification v Concentration: A tortoise and hare story
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Concentrate your investments to make and lose a lot of money The following recent Twitter exchange was the catalyst for this article: “If you want to make a lot…
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Your emotions complicate investment decision making
Lifestyle asset decisions have a heavy emotional content It’s not always clear what’s a lifestyle asset versus an investment asset. Recent discussions with a client regarding a proposed holiday house…
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Don’t put all your investment eggs in one basket
Concentrated investments add to risk but have no expected extra return Our previous article in our series on the Personal Financial Dashboard – a graphic format that succinctly captures the…
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The Great Dividend Yield Chase
High dividend paying shares appeal to many investors It’s often suggested by various investment “experts” that the first requirement for a share investment is income return and then growth of…
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Baby boomers’ housing experience may not repeat
Baby boomers still borrowing to buy property Over the six years to 2009-10 [1], baby boomers (those born between 1945 and 1964) continued to pour money into both owner occupied…
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A high income does not imply high wealth
Statistics shows that a high income does not mean high net worth In our previous article, “Household income and wealth in Australia”, we examined the progress toward financial independence being…
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Borrowing to buy property within Super: Buyer Beware!
Just because you can doesn’t mean your should Borrowing to buy property within a Self Managed Super Fund (SMSF) has been promoted by many within the advice industry as an…
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Don’t fall in love with your employer
Surely, I’m better off investing in my employer’s shares Many employees hold shares (and/or rights to buy shares) in their share market listed company employer. The interest may have been…
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Employee Share Schemes – Are the proposed changes all bad news?
For many, receiving shares or options from your employer is a welcome benefit. There are usually no immediate tax or cash flow implications and you simply get access to a…
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