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 »
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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 »
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 – 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
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 »
Dividends are not safer than selling stocks
There’s a common misconception that dividends are safer than selling down shares. Read on to see why these fallacies exist and the risks they create. Read on »
How is VDHG tax-inefficient?
Update June 29, 2024 – Vanguard has addressed both of the issues outlined in this article in their notice to investors. My understanding is that: Updates to the Diversified Funds and ETFs We have updated our suite of diversified product PDSs to enable investment in the ETF share class of the selected strategies alongside the unlisted managed fund share class. This change enhances the portfolio management of the diversified portfolios by enabling tighter tracking error … Read on »
The Australian version of the 3-fund-portfolio
The 3-fund portfolio offers a balance between simplicity, diversification and flexibility, but using funds available on the ASX requires some additional information. Read on »
How to get worldwide index exposure on the ASX
Unfortunately, there’s no single fund containing everything. Let’s define what worldwide exposure consists of and go through your options using 2-3 funds to achieve it. Read on »
Should I diversify out of VDHG?
We explore a question that often comes up from new investors whether they should diversify out of just VDHG and add other funds so they don’t have all their eggs in one basket. Read on »
ETFs vs managed funds vs index funds
There are two dimensions when selecting ETFs vs managed funds vs LICs: stock selection style and structure. Here is a breakdown of how it applies to your investment options. Read on »
Should I debt recycle or leave my money in the offset?
People often ask, ‘Should I debt recycle or leave my money in the offset?’, but taking money out of your offset to invest is actually two separate steps. Debt recycling is the second step – a mechanical step that does not require a decision – that comes after the first step, which is the real question you should be asking yourself.
Read on to understand what you should be asking instead and how to make that decision. Read on »