When it comes to investment, fluctuations in prices, the availability of information and volatile economic conditions all play a part in the decisions that investors make. Behind all of this, though, is a whole suite of cognitive biases that sometimes lead to poor investment decisions. Simply put, a cognitive bias is a natural, hard-wired, systematicread more
Who says the turn of a new calendar year is the only time you can set some resolutions? With money on our mind as one financial year rolls to the next, now is a great time to set some goals for taking control of your personal finances. But where to start? Simply “saving more money”read more
As life moves forward, it is important to be more mindful of where our money goes, and how we allocate our spending. This is particularly relevant at retirement, as our regular source of income can change from wages to a pension. Recent statistics released by the Australian Bureau of Statistics outlines the spending habits ofread more
Good money management and financial discipline and acumen are not often associated with youth. In fact, quite the opposite seems to be the stereotype. Trying economic conditions combined with a desire to enjoy your twenties often leaves a little to be desired in the savings department, and many in this age bracket find themselves strugglingread more
It’s early January – the festive season and New Year’s celebrations are done and dusted. Now is the time of year we’ve all fielded the age-old question: “What are your New Years’ Resolutions?” For some it may be losing weight, getting a better job, hitting a personal milestone or climbing Mt Everest; but we couldread more
Discretionary trusts and private companies are used extensively by small and medium sized business owners and families, and have been proven to provide tax effective strategies during business and working lives. However, there are implications in retirement around means testing, including for pensions and fees for aged care. Case Study In a recent case, aread more
Over the past week or so, global share markets have fallen significantly due to growth concerns. One of the catalysts is the concern that rising US longer-term interest rates could lead to slower US and global economic growth, while another is the ongoing concern that the US-China trade frictions could develop into a more significantread more
Often in life, you have to find a good balance between spending money on the things you need; the things you want; and saving some for a rainy day. Dividing up your income in this manner makes for some interesting statistics – particularly when you segment it demographically. Read on to find out how differentread more
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