Investor Education Articles

The planned new tax on super balances over $3 million has prompted many high-net-worth investors to reassess their investment strategies. With the tax rate on the affected portion of earnings set to rise to 30%, there’s a surge of interest in tax-efficient and flexible ways to build and protect wealth within an increasingly complex superannuation system.

According to VanEck’s Eric Fine, the emerging markets (EM) opportunity has ‘never been better’. Those are strong words worthy of delving deeper.

Investor interest in private credit is growing, prompting many to explore how it fits within their broader asset allocation. Here, we examine two important features: correlation and consistency, and how to pick a manager with a track record that can deliver both.

A personal question for you: do you view yourself as a have or a have not? Your answer probably has nothing to do with your actual net worth. It’s probably more tied to your position on the wonderfully named ‘spendthrift-tightwad’ spectrum.

As an investor, following the crowd often feels like the safest strategy, especially when markets are volatile or the headlines are dire. But history has repeatedly shown that following the herd is one of the most reliable ways to underperform over the long term.

No one loves tax time. But as the new financial year begins, it’s a good time to get your tax affairs in order, especially if you want to stay off the ATO’s radar. Yet many taxpayers continue to push boundaries by claiming eyebrow-raising deductions such as claiming swimwear as workwear, air fryers as tools of trade, and designer wardrobes as job essentials. Considering that individuals contribute around $10.6 billion to Australia’s tax gap (as shown below), it’s no wonder that key categories such as work-related expenses, working-from-home deductions, undeclared income, and rental property claims are a focus for the ATO this year.

The private credit asset class recently been garnering a good deal of press coverage, potentially causing concern for investors who are trying to determine how - and where - to invest. Here, we explore Thinktank, its history and operations to help investors understand what our fund provides in an evolving and often complex space.

With a rate cutting cycle underway, it can be tempting to search for higher yielding investments. However, it’s important to also consider risk in a volatile and uncertain environment. We’re well and truly into an interest rate cutting cycle in Australia.

Australian investors have earned themselves a global title worth writing home about: according to recent BrokerChooser data, Australia is now the most investment-curious country in the world. That means that per capita, Australian investors are conducting more Google searches about investing than anyone else on the planet: an average of 29,359 investment-related searches per million people each month.

Most investors think of fixed income investing as being a lower risk asset class. Yet surprisingly, three major fixed income managed funds have recently collapsed. It’s been a stark reminder that even at ‘safe’ end of the investment risk spectrum, vigilance, transparency, and governance should be regarded as non-negotiable.

Superannuation comes with its fair share of limits and thresholds designed to keep tax benefits in check. One of the big ones is the transfer balance cap. From 1st July, it has increased from $1.9 million to $2 million, raising the amount you can move into the tax-free pension phase of your super.

The core-satellite approach is a portfolio construction strategy which is gaining renewed attention amongst some investors. And for good reason. Blending stability with flexibility, this strategy offers a structured yet dynamic way to optimise returns while effectively managing risk.