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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. Investing for children
      • 2. Fund domicile and avoidable US taxes
      • 3. Non-residents or not planning on retiring to Australia
      • 4. The problem with pooled funds
  • 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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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

  • Investing for children (new)
  • What do financial advisers do? (new)
  • How to choose a financial adviser (new)
  • Marketable limit orders
  • 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.

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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