August 16, 2017

Why currency matters to Aussie investors

There is nothing like an overseas holiday to remind you of the power of currency movements to either help or hinder your financial position. Australian investors probably have more at risk in the currency stakes than most other investors in developed markets. That flows from the small size of our local sharemarket – less than 3 per cent of the market capitalisation of global sharemarkets – which means to get international diversification Australian investors have to invest offshore. Contrast that to US investors where so many of their major companies are global players which means a lot international diversification comes […]
August 9, 2017

A personal spending check-up

At a time when investment returns and pay rises are typically subdued, a temptation is for investors, including retirees, to take greater risks outside their tolerance to risk in an effort to keep up investment returns. However, among the other smarter options is for investors is to look for ways to reduce their everyday living costs that hopefully won’t really sacrifice the quality of their lifestyles. A recent article in The New York Times– Have a day off? Tackle your financial to-do list – points to how we can potentially save quite a bit of money by attempting to reduce some daily […]
August 2, 2017

Another insight into Australia’s persistent retirement-savings gender gap

New research provides another insight into Australia’s persistent retirement-savings gender gap and into what some women are personally doing to lessen its impact. This research, How Australia Saves – a collaboration between Vanguard and Sunsuper – draws on the transactions and investment experiences of more than a million Sunsuper members. Researchers found that a higher proportion of women than men made non-concessional (after-tax) contributions in 2015-16. Women made up 59 per cent of the members making non-concessional contributions into the fund’s default lifecycle option during 2015-16 in addition to their superannuation guarantee (SG) contributions. (The vast majority of Sunsuper’s members are in […]