Investing or gambling?

Investing or gambling?

In the absence of retail, hospitality, cultural centres and sporting outlets, many of us have gravitated towards new activities to occupy our time during lockdown. For some, this has meant a foray into the world of sourdough and slow cooking, or a deeper dive into the...
Most SMSFs are still poorly diversified

Most SMSFs are still poorly diversified

From its COVID-inspired low point in late March, the Australian share market – as measured by the performance of the S&P/ASX 300 Index – has surged more than 40 per cent. It’s an impressive rebound in such a short period of time, delivering strong returns to...
Diversification: Spread your investments and lower your risk

Diversification: Spread your investments and lower your risk

Diversification is an investment strategy that lowers your portfolio’s risk and helps you get more stable returns. You diversify by investing your money across different asset classes such as shares, property, bonds and private equity. Then you diversify across...
How Do Lenders Assess Applications?

How Do Lenders Assess Applications?

Brokers can help connect you to the lender most suited to serve your mortgage needs by shopping around on your behalf. In order to decide whether or not to provide you with a loan, lenders will generally assess you against five qualities. Your ability to repay the...
How much do you need to retire

How much do you need to retire

You’ve spent decades working, so you don’t want to spend your retirement years scrimping for cash. How can you make sure that doesn’t happen? There’s a whole host of factors that will determine your lifestyle in retirement – savings, tax, investment strategy and more....