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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
      • 7. GHHF
    • Common questions
      • 1. What should I do if I have $5,000 (or $20,000) to invest?
      • 2. Should I hold off buying stocks until the volatility has reduced?
      • 3. Whipsaws and hopping out of the market when there’s bad news
      • 4. The market has never been this high — should I wait?
      • 5. Lump-sum investing
      • 6. Low interest rates — use high dividend stocks?
      • 7. Low interest rates — switch HISA to Bonds?
      • 8. Why bonds?
      • 9. Pay off the mortgage or invest?
      • 10. Should I debt recycle or leave my money in the offset?
      • 11. ETFs vs managed funds vs index funds
      • 12. Should I diversify out of VDHG?
      • 13. How to get worldwide index exposure on the ASX
      • 14. The Australian version of the 3-fund-portfolio
      • 15. 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. Why not invest in Indian fixed deposits at 8% interest?
      • 7. Should I chase higher interest rates in another developed country?
      • 8. Why not invest everything in the Australian market?
      • 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
      • 12. The stock market is forward looking
    • Superannuation
      • 1. What is superannuation?
      • 2. When can you access super?
      • 3. Superannuation contribution types
      • 4. Superannuation account types
      • 5. Pre-mixed vs single-asset-class investments
      • 6. How to invest your super
      • 7. How much to save inside vs outside super
      • 8. Consolidate your super
      • 9. First Home Super Saver Scheme
      • 10. Government super co-contribution
      • 11. Carry forward contributions
      • 12. Contribution splitting
      • 13. Spousal contributions
      • 14. The bring-forward rule
      • 15. Income swap strategy
      • 16. Ceasing any employment after 60
      • 17. Recontribution strategy
      • 18. Downsizer contribution
      • 19. The problem with pooled funds
      • 20. When will the super caps increase
    • Tax
      • 1. Debt Recycling
      • 2. Redraw vs Offset
    • Insurance
      • 1. Insurance
      • 2. Life insurance
      • 3. Insurance through super
      • 4. Tips to lower the cost of insurance
      • 5. Calculating life insurance needs
      • 6. General insurance
    • Miscellaneous
      • 1. Investing for children
      • 2. The truth about investment bonds
      • 3. Fund domicile and avoidable US taxes
      • 4. Non-residents or not planning on retiring to Australia
  • Resources
    • Trading platforms
      • What is CHESS Sponsorship?
      • Broker comparison
      • Pearler Review
      • Stake Review
      • SelfWealth Review
      • Superhero Review
    • Free portfolio tracker
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Creating an investment plan

ips

Creating an investment plan and Investment Policy Statement (IPS)

Setting goals gives you long-term vision and short-term motivation. Learn how to create a plan to keep you on track to reach those goals. Read on »

how much do i need to save every month to meet my retirement goal 1

How much do I need to save every month to meet my retirement goal?

With this calculator, you can adjust the variables (savings rate, years, portfolio aggressiveness) until you find a combination that meets your retirement goal. Read on »

Recent Posts

  • GHHF – The moderately leveraged ETF (new)
  • Should I debt recycle or leave my money in the offset? (new)
  • How to invest your super (new)
  • How much to save inside vs outside super (new)
  • How 1% fees cost you a third of your nest egg
  • Stock market risk
  • The stock market is forward looking
  • Investing for children
  • What do financial advisers do?
  • How to choose a financial adviser
  • The truth about investment bonds
  • Risk premium explained

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.

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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