To answer the question of how is VDHG tax-inefficient, we need to look at two things: Then we will look at your options for how to deal with it. Quick Links Managed funds vs ETFsCurrency hedgingWhat can you do about it?Final thoughts Managed funds vs ETFs What is an ETF and a managed fund? ETFs, managed funds, LICs, investment bonds, trusts, companies, and superannuation are all investment vehicles or legal structures that hold investments. A … Read on »
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 »
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 »
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 »
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 »
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 »
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 »
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 »
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 »
There are a few reasons people use to justify investing mostly or entirely in the Australian stock market. We go through those reasons to see which ones are sound, which are dangerous, and why. Read on »
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 »
Emerging markets have done very poorly this past decade. Should you leave it out of your portfolio? Here’s what to consider. Read on »