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Passive Investing Australia
  • About
  • Passive Investing
    • Building a passive portfolio
      • 1. Inflation
      • 2. Fear of investing
      • 3. The risk-reward spectrum
      • 4. Asset allocation & risk tolerance
      • 5. Index funds
      • 6. Mitigating risks
      • 7. Bond funds
      • 8. Equity funds
      • 9. Franking credits
      • 10. Currency risk
      • 11. Rebalancing
      • 12. VDHG or roll your own
      • 13. The 10% bonds in VDHG
      • 14. VDHG alternatives
      • 15. Summary & further reading
    • Creating an investment plan
      • 1. Creating an Investment Policy Statement
      • 2. How much do I need to save to meet my retirement goal?
    • Beyond the essentials
      • 1. Other asset classes
      • 2. REITs
      • 3. Small caps
      • 4. Cash vs bonds
      • 5. Risk premium explained
      • 6. Stock market risk
    • Common questions
      • 1. Should I hold off buying stocks until the volatility has reduced?
      • 2. Whipsaws and hopping out of the market when there’s bad news
      • 3. The market has never been this high — should I wait?
      • 4. Lump-sum investing
      • 5. Low interest rates — use high dividend stocks?
      • 6. Low interest rates — switch HISA to Bonds?
      • 7. Why bonds?
      • 8. Pay off the mortgage or invest?
      • 9. What are ETFs, LICs, index funds & managed funds
      • 10. Should I diversify out of VDHG?
      • 11. The Australian version of the 3-fund-portfolio
      • 12. How is VDHG tax-inefficient?
    • Misconceptions explained
      • 1. Dividends are not safer than selling stocks
      • 2. Dividend investing vs total return investing
      • 3. LICs — are they all they’re cracked up to be?
      • 4. What is total return investing?
      • 5. P2P lending and the risk-return spectrum
      • 6. The truth about investment bonds
      • 7. Why not invest in Indian fixed deposits at 8% interest?
      • 8. Should I chase higher interest rates in another developed country?
      • 9. Why not just invest everything in the US market?
      • 10. Emerging markets is crap — should I leave it out?
      • 11. Why you can ignore the index bubble argument
    • Miscellaneous
      • 1. Fund domicile and avoidable US taxes
      • 2. Non-residents or not planning on retiring to Australia
      • 3. The problem with pooled funds
      • 4. Marketable limit orders
  • Resources
    • Trading platforms
      • What is CHESS Sponsorship?
      • Broker comparison
      • Pearler Review
      • Stake Review
      • SelfWealth Review
      • Superhero Review
    • Free portfolio tracker
    • Financial advisers
      • 1. What do financial advisers do?
      • 2. How to choose a financial adviser
      • 3. How 1% fees cost you a third of your nest egg
      • 4. Wraps and why advisors love them
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Blog

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multinational

Non-residents or not planning on retiring to Australia

​How to invest if you’re not planning to retire in Australia, how tax works for non-residents, and Australian brokers that accept non-residents. Read on »

us tax

Fund domicile and avoidable US taxes

​Investing in US funds results in exposure to US estate tax and additional dividend taxes that can lead to a drag on your returns. Here’s what you need to know. Read on »

index bubble

Why you can ignore the index bubble argument

A breakdown of the index bubble argument and why it only makes in a world where people don’t like money. Read on »

emerging markets

Emerging markets is crap – should I leave it out?

​Emerging markets have done very poorly this past decade. Should you leave it out of your portfolio? Here’s what to consider. Read on »

us stock market

Why not just invest everything in the US market?

​The US stock market has annihilated the rest of the world’s markets over the past decade. But how has it compared over longer time frames? Read on »

chase higher interest rates

Should I chase higher interest rates in another country?

​Each country’s bank interest rate is a little different. Read on to find out if it’s worth investing in a term deposit in a country with a higher interest rate. Read on »

indian money

Why not invest in Indian fixed deposits at 8% interest?

Fixed-term deposits in India return a whopping 8% p.a. Should you convert your money to rupees and invest in them? Here’s what you need to know. Read on »

pull back curtain

The truth about investment bonds

​Investment bonds are marketed as tax-free but tax is paid within the bond, resulting in a worse tax outcome for most. Not to mention all the other downsides. Read on »

p2p

P2P lending and the risk-return spectrum

​The higher returns offered by P2P loans don’t come for free. The cost is a higher risk of default and with a host of other downsides that are not immediately obvious. Read on »

total return investing

What is total return investing?

When a former financial adviser doesn’t even understand what total return investing is, it’s time to write an article to explain it! Read on »

lics

LICs – are they all they’re cracked up to be?

Before indexing, LICs filled a gap in the market for low-cost, infrequently traded funds. Let’s clear up the long list of fallacies surrounding them. Read on »

dividend investing vs total return investing

Dividend investing vs total return investing

​Only after you understand the difference between dividend investing and total return investing can you focus on what is most important in creating a diversified portfolio. Read on »

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Recent Posts

  • Marketable limit orders (new)
  • What do financial advisers do? (new)
  • How to choose a financial adviser (new)
  • How 1% fees cost you a third of your nest egg
  • How is VDHG tax-inefficient?
  • Wraps and why advisors love them
  • Stock market risk
  • The truth about investment bonds
  • What’s the deal with small caps?
  • Risk premium explained

Categories

  • Building a passive portfolio
  • Creating an investment plan
  • Beyond the essentials
  • Common questions
  • Misconceptions explained
  • Miscellaneous

All information on this website is for general information only and should not be taken as constituting professional advice. I am not a licensed financial adviser, and therefore cannot give personal financial advice, financial recommendations, or even general financial advice. The sole purpose of our content is not to provide financial advice but to provide factual information for educational purposes only. You should consider seeking independent legal, financial, taxation or other advice to check how the information on this website relates to your unique circumstances. ​Although, good luck with that, considering the disgraceful conduct of so many licensed financial advisers.

I make every effort to keep content relevant, up to date and accurate. However, due to the fluid nature of financial information (e.g. bank interest rates, investment returns, product fees) it can be difficult to do so. As such, Passive Investing Australia makes no guarantees that anything written on the website is accurate or factually correct, and we are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

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