Three ways to start investing with $100 or less
How your feelings affect your finances
A slew of affordable financial products to hit the market in recent years means the cash-strapped and asset-poor can now invest like the wealthy – and you don’t even need $100 to get started.
Here, we take a look at three investment vehicles – peer-to-peer loans, micro-investing apps and fractional property – worth exploring when you want to start investing.
How to have a say in where your super is invested
Does it sometimes seem like money is standing in the way of your happiness? How we feel about money can really have an impact in the role it plays in our lives, how we spend it and how secure we feel about our future. Find out how our emotions – positive or negative – can influence money habits and what you can do about it.
Debt – just how big a problem is it?
Over your working life it’s likely your financial circumstances will change. You might build a share portfolio outside super, acquire an investment property, inherit money, suffer the misfortune of a financially damaging divorce or become risk-averse as retirement looms.
Super contributions guide
Recent figures show personal debt levels in Australia are among the highest in the world. So does this mean we’re heading for a debt disaster? Or are we doing the right kind of borrowing to get ahead with finances? Find out what kind of debts can be a problem and how to keep borrowing within safe limits.
A beginner’s guide to ETFs versus managed funds
As well as super guarantee payments from your employer, there are all sorts of ways to save more into super and boost retirement savings. Find out more in this comprehensive super contributions guide.
So, you’re starting a business…
It is a tough decision choosing between an exchange traded fund (ETF) or a managed fund. While there are plenty of similarities between the two investment vehicles – particularly if they track an index – you need to understand that there are some significant differences that could sway your mind.
The many risks of gearing
Whether you’ve been plotting it for years or just recently decided to go for it, starting your own business is a big leap.
Now that you’re taking the first steps, pause for a moment to consider some often-overlooked factors that will set you up for success. While these may not be as exciting as dreaming up your vision or designing your marketing, building these tasks into your planning will give you the best chance to hit the ground running.
Steps to buying a home
We often hear about gearing when people talk about investing in property – that is, they’ve taken out a mortgage to help pay for the property or they hope to benefit by negatively gearing it for tax purposes.
But many investors use gearing to fund other asset classes, such as direct shares and managed funds.
Gearing can magnify your gains, but it can also magnify your losses. Here are some factors to consider
5 tips for a stress-free conversation about your Will
Ready to take the plunge and buy your first home? Make sure you know exactly what to expect from the home buying process with our simple step-by-step guide, covering everything from making an offer to moving in.
The Frugal February challenge: how much can you save in 28 days?
No one likes unpleasant surprises. Talking about your Will with your family can be stressful, but it can also help to avoid a worse situation when you are gone.
Contemplating one’s own death can be hard and in many families, talking about money or inheritances is taboo. Some parents worry that letting their children know how much they stand to inherit may cause a sense of entitlement or encourage them to become less productive. Others fear the chat could stir up jealousies, insecurities and feuds among family members.
Four ways to declutter your finances
February is a great place to start hitting some of those money goals you made for the new year.
Most likely you’re coming off the back of a Christmas period when your hands felt perpetually shoved in your pockets, and the school holidays mixed with a heavy January social calendar have done nothing to alleviate those money woes.
A financial fast in the form of Frugal February may be just what the money doctor ordered.
Your home may be looking minimal and serene in 2019 thanks to author and TV host Marie Kondo. But could your finances do with some decluttering too? Find out how to go about it with our guide to simplifying your budget, bank accounts, super and debts.
Ready to discover the life changing magic of simplifying your money management? Taking the lead from minimalism guru Marie Kondo, we bring you a step-by-step guide to applying decluttering principles to your finances.