Investing
SMART INVESTOR
Time to take out the trash
Trevor Hoey You could hope for an upswing, but maybe it's better to stop dreaming and start taking a look at the stocks you need to hock.
SUIT YOURSELF
Does red zone thrill, or are you still a bit green?
![Gas or steam leaking from an industrial pressure gauge. Very high resolution 3D render. resaved version of iStock file. previous one corrupting in Cyber. generic iStock. Gauge and pressure and steam.](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130114/rh-729-Pressure_20140204122656718119-90x60.jpg)
Emily Chantiri It is never too early to start investing, but one strategy does not suit all.
REPORTING SEASON
Expect all sorts in results mix
![istock.
Allsorts
Liquorice Candy
Confectionery
Pick And Mix
Sugar
Stack
Heap
Multi Coloured
Studio Shot
Colour
Group of Objects
Bright Colour](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130168/rh-320-candy_20140204123318924473-90x60.jpg)
Katherine Jimenez There could be some golden opportunities this reporting season, with housing-related stocks and foreign currency earners expected to be the big performers.
QUIRKY INVESTMENTS
Light in weight, steep on price
![--
Richard
Hughes
Money Editor
The
Age/Sydney Morning Herald
--
L2, Media
House, 655 Collins St, Docklands, VIC 3008
T 03
8667 3138 | M 0401 489 849
richardhughes@fairfaxmedia.com.au
| www.theage.com.au
1864 1d Rose red from plate 77 plus 4d bright red .tif](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130237/rh-320-stamps_20140204131954774364-90x60.jpg)
James Cockington Stamps are becoming attractive to investors who like owning something real, something tangible, with its own history.
HOT STOCK
Money to be made in the mess miners make
![Newcrest Mining?s Cadia East Decline Project, a gold-copper mine in central NSW 2011.
AFR Picture by STAFF
(NO CAPTION INFORMATION PROVIDED)](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130221/rh-320-hot_20140204130114789002-90x60.jpg)
Brian Han Waste management expert Tox Free Solutions is riding high - but are its shares worth a punt?
UNDER THE RADAR
The gems hiding in the cloud
![Cloud Computing . Illustration Karl Hilzinger .colour cartoon / illo / illustration / toon / artwork](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130162/rh-320-hemming_20140204124433265571-90x60.jpg)
Richard Hemming The lines are blurring between the different types of IT companies, nowhere more than in the ''cloud''.
THE CHARTIST
History shows we're due for a downturn
![In this photo released by the San Diego Zoo, three polar bears get an early holiday treat Saturday, Dec. 6, 2008, as animal care staff brought in 20 tons of shaved ice for them to play in at the San Diego Zoo in San Diego. The polar bears, Kalluk, Tatqiq and Chinook rolled, slid and stretched in the icy packs as San Diego Zoo guests watched their antics. (AP Photo/San Diego Zoo) ** NO SALES **](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130224/rh-320-bears_20140204130421403048-90x60.jpg)
Rod Myer Could market jitters turn into something much worse? Technical analysis points to a third bear just around the corner.
SUPER
Wise money eyes Google, and British homes
![A row of terrace houses is silohouteed against a sunset in London, U.K., on Sunday, April 19, 2009. Chancellor of the Exchequer Alistair Darling will set aside 1 billion pounds ($1.45 billion) to revive house building in the U.K., a person familiar with the matter said, after the financial crisis slashed the number of
construction projects in half in the last year. Photographer: Jason Alden/Bloomberg News](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130227/rh-320-houses2_20140204130807753441-90x60.jpg)
JOHN COLLETT Investors' love of Australian shares means they miss out on some overseas opportunities.
INTELLIGENT INVESTOR
All set for a good gold punt?
![Gold](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130505/rw-gold-th-20140204145502815398-90x60.jpg)
Nathan Bell 2013 was a gloomy year for gold but after some bad times the metal is now shining more brightly.
INTELLIGENT INVESTOR
How to pick a good financial adviser
![Financial adviser](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5130383/rw-finance-th-20140204140624631803-90x60.jpg)
Richard Livingston Step one: check for a few grey hairs on their head.
SCAMS
Move to halt the new wolves of Wall Street
![The Wolf of Wall Street](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/04/5129871/sc-thumb_leo_20140204105808554249-90x60.jpg)
Andrew Tangel US regulators suspend trading in 255 small caps in bid to stop repeat of 'pump-and-dump' schemes seen in Scorsese's film.
Big players point the way
![Money and glasses.](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/02/01/5124399/ZAH_business_TN-20140201184414862335-90x60.jpg)
JOHN COLLETT Half-yearly results, due this month, will indicate how share investors are likely to fare for the rest of the year.
TIME TO SELL
Your next move when share prices tumble
![DOMINO AFR SYD 971128 PHOTO FRANCES MOCNIK. DOMINOS, CRASH, FALL, 971201
DOMINOES](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/28/5112431/rh-320-drury_20140128145700994025-90x60.jpg)
Barbara Drury When share prices fall, investors need a plan. Should you sell to protect your capital or hang in there and buy more?
THE 'HONEST' BROKER
Simpler way to join the market
![Easter eggs decorated in a Sorbian wax technique lay in a basket on April 8, 2009 in Spremberg, eastern Germany. AFP PHOTO DDP/NORBERT MILLAUER GERMANY OUT](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/28/5112328/rh-320-padley_20140128160331714979-90x60.jpg)
MARCUS PADLEY Listed Investment Companies are a good option if you want a diversified portfolio without having to manage it yourself.
INTELLIGENT INVESTOR
Long-dated bonds help counter low rates
![A generic photo of a child playing on a swing .
Photo Glenn Campbell](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/28/5112330/rh-320-investor_20140128160204197415-90x60.jpg)
Matt Ryan Low interest rates make other asset classes look more attractive and drive the prices of equities and property higher.
EDUCATION
Make school costs feasy peasy
![Teacher pointing to raised hands in classroom boarding school
Generic](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/28/5112357/rh-320-school_20140128143134191394-90x60.jpg)
JOHN COLLETT It's that time of year again, when the children return to school and - for fee-paying students - their parents learn how much they'll be expected to cough up for the privilege.
GETTING STARTED
Strong economy, weak market
![godrays . 010405 pic by Tanya Lake
**colour use only**
generic sunset cloudburst silver lining dark clouds hope ray of light sunlight sun light red firey sky look to the heavens futures exchange future depression lift positive outlook happiness happy optimistic outcome prozac storm at sea ocean of doubt rocky beginnings religion faith spirituality spiritual spirit death life birth afterlife stormy weather prediction horizon](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/28/5112429/rh-320-pot_20140128144759298248-90x60.jpg)
David Potts There's a whole year hanging on how the market finishes this month, but it's dragging the chain.
QUIRKY INVESTMENTS
The rise of the collectorator
![Matchbox Car](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/28/5112259/rh-320-padley-20140128160631450411-90x60.jpg)
James Cockington A new breed of buyer has taken over the auction world. Part-investor, part-interior decorator, they're becoming known as ''collectorators''.
HOT STOCK
This growth story ticks all the boxes
![GENERIC
Steps
Business
Businessman
Meadow
Grass
Sky
Blue
Green
Cloudscape
Cloud
Four People
Box
People
Nature
Cardboard Box
Teamwork
Team
Business Relationship
Outdoors
Rural Scene
Freshness
Field
Suit
Front View
Horizontal
Landscape
Freedom
Copy Space
Chart](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/28/5112440/rh-320-hot_20140128150228141987-90x60.jpg)
Brian Han Once part of Amcor, Orora's cardboard business is thriving and the shares are worth a look.
Shares
Market sell-off painful, but not unexpected
![ASX trading floor, Generic, Australian Securities Exchange, Stocks, shares, trading, share price, 19th of July 2013 Photo Sasha Woolley](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2013/11/29/4968019/th-asx-90x60.jpg)
JOHN COLLETT The sell-off on global sharemarkets was always expected after the bumper returns of 2013.
Retail
Why Harvey Norman has run out of steam
![Gerry Harvey.](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2013/11/24/4950739/ZAH_harvey_TN-20131124200701181301-90x60.jpg)
Nathan Bell This may sound like value investing heresy - I recommend you sell Harvey Norman, largely because it has a strong balance sheet and an owner manager.
QUIRKY INVESTMENTS
Beauty from the sea
![James Edwards pictured with examples of his Shell art including mirrors and boxes at Shapiro gallery, Woollahra
smh Money
January 10 2014
photographs Ben Rushton](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/21/5092856/rh-320-shell_20140121100441280246-90x60.jpg)
James Cockington Beach shack chic is going mainstream with artists such as James Edwards finding a strong market for their work.
ASK NOEL
Bigger lump sum or decent pension?
![Mucci illo for Noel
--
Richard
Hughes
Money Editor
The
Age/Sydney Morning Herald
--
L2, Media
House, 655 Collins St, Docklands, VIC 3008
T 03
8667 3138 | M 0401 489 849
richardhughes@fairfaxmedia.com.au
| www.theage.com.au
HandlingALumpSum.jpg](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/21/5092806/rh-320-mucci_20140121094014600498-90x60.jpg)
Noel Whittaker What's the best pension plan with a big mortgage but a bad history of handling lump sums?
FURTHER AFIELD
Offshore paydays loom in bourse boom
![U.S., British pound, euro and dollar notes are displayed for a photograph in New York, U.S., on Tuesday, Dec. 30, 2008. Photographer: Daniel Acker/Bloomberg News](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/21/5093011/rh-320-overseas_20140121105647794789-90x60.jpg)
Katherine Jimenez Offshore stocks have provided Aussie investors with some of the strongest returns seen in years - a trend that's set to continue in 2014
GETTING STARTED
Study big picture not bottom line
![RETAIL.MELB. 020318.AFR. *AFR FIRST USE ONLY* pic by Erin Jonasson. FIRST USE AFR PAGE ONE!!!....HOLD FOR GREG NEWINGTON....DO NOT USE WITH OUT PERMISSION...... RETAIL generic, lady in a long skirt sitting at a bus stop with her shopping in paper bags as Autumn leaves pass her by,
***afrphotos.com***](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/21/5092884/rh-320-gareth_20140121103659978591-90x60.jpg)
Gareth Hutchens What is the state of Australian employment? Not that great, but it's not that bad either.
HOT STOCK
Incitec Pivot looks to be on fertile ground
![An employee monitors the loading of the fertilizer urea onto a truck at an Incitec Pivot Ltd. distribution center near Geelong, in Victoria, Australia, on Tuesday, Dec. 18, 2007. Incitec Pivot Ltd., Australia's largest fertilizer maker, said first-half profit almost tripled because of higher prices for crop nutrients driven by surging global food demand led by China and India. Photographer: Carla Gottgens/Bloomberg News](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/17/5085165/rh-320-fert_20140117153005309039-90x60.jpg)
Greg Smith Fertiliser maker is set to bloom as global demand for food keeps on growing.
INTELLIGENT INVESTOR
How saving helps you take control of your life
![Splashing out on luxuries now can affect your wealth down the track.](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/19/5088644/wb-spend-thumb--20140119160117810199-90x60.jpg)
Richard Livingston Saving is one thing best not put off until tomorrow. A look at the figures shows the advantages of starting now.
INTELLIGENT INVESTOR
What should your market portfolio look like?
![Stockbrokers usually advise investors to go for a diversified portfolio.](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/17/5084341/wb-broker-thumb--20140117121604874817-90x60.jpg)
Nathan Bell Diversification might be desirable but it's wise to let value drive your buying decisions.
FOLLOW THE MONEY
Renewed taste for risk among wealthy investors
![Retailer Gerry Harvey from Harvey Norman. For cover story / interview. BRW Picture by ROB HOMER (NO CAPTION INFORMATION PROVIDED)](http://web.archive.org./web/20140207200126im_/http://images.smh.com.au/2014/01/14/5076040/rh-320-harvey_20140113164511101674-90x60.jpg)
Katherine Jimenez Like many high net worth investors, Gerry Harvey is looking to move beyond the 'safe stuff'.