Which Investments Are Safe?  

Which Investments Are Safe?  

October is the worst month of the year in the Australian share market on average. It isn’t weak every year, for example October 2024 was quite solid, but it is often. This year the All Ordinaries Index has drifted down around six per cent since its August peak. There...
High Capital Gains Possible Without CGT

High Capital Gains Possible Without CGT

The new tax rules to apply from July 2027 are changing the way investors think. The most obvious impact is buyers’ recent avoidance of residential property. Values have fallen sharply in many areas.   The changes are complex so a recap is useful. Capital gains...
The Best Savings Vehicles

The Best Savings Vehicles

The new tax rules continue to puzzle investors. Financial advisers and other professionals aren’t much further advanced in trying to work out how best to respond to them either. The new thirty per cent minimum tax on realised capital gains above inflation starts next...
Time to Underweight Australian Shares

Time to Underweight Australian Shares

The graph comparing average returns from Australian and US shares is concerning. Vanguard says for the last twenty years Australian shares have made 7.2 per cent per annum compared to US shares on 11.8 per cent per annum. Compounding those rates produces a very big...
Exchange Traded Funds Appeal

Exchange Traded Funds Appeal

ETFs or Exchange Traded Funds have grown enormously in the last decade. Both their number and the money invested in them continue to increase. From around $50 billion invested ten years ago the total has grown to $472 billion now, in 494 funds, according to Lonsec...