![Ellis continues to do well from ePAT Technologies, which has an app that reads the faces of those with dementia for the ...](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/h/v/m/3/k/image.related.wideLandscape.460x259.gy8nk0.png/1504229876257.jpg)
Investing
![Ellis continues to do well from ePAT Technologies, which has an app that reads the faces of those with dementia for the ...](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/h/v/m/3/k/image.related.wideLandscape.460x259.gy8nk0.png/1504229876257.jpg)
Protect yourself in a frenzied property market
![If auction bidding goes too high, keep your hand down.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/4/r/5/5/image.related.landscape.120x80.gy7g31.png/1504278243188.jpg)
How to protect yourself when the market gets hot.
How personal finance has changed since 1987
![Kylie Minogue filming the music video for her first single "Locomotion", 1987.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/7/k/7/h/image.related.landscape.120x80.gy7jsp.png/1504263551281.jpg)
It's fascinating to look back 30 years and think about what Australia was like at that time.
Earnings season: more profit than loss for 'mum and dad' shareholders
![Qantas has dropped Dubai from its network.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/x/l/3/image.related.landscape.120x80.gy5e45.png/1504191874133.jpg)
Qantas is the star performer of the retail stocks this profit reporting season with its declaration of its second-highest ever profit.
How Alex and Lauren used Acorns to pay for their honeymoon
![Brisbane couple Alex, 28, (left) and Lauren Fisher, 33, at their wedding in 2016. They plan to have another ceremony if ...](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/6/0/e/j/image.related.landscape.120x80.gy60fk.png/1504192030548.jpg)
After Alex and Lauren Fisher exchanged their wedding vows in June last year, they jetted off to Bali for a honeymoon using money they'd saved with the Acorns investment app.
A little financial tough love
![You're not Gordon Gecko, the Michael Douglas character pictured left in Money Never Sleeps.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/3/z/i/7/image.related.landscape.120x80.gy3z73.png/1504018815426.jpg)
There is a lot that is wrong with financial services. That said, many of us don't help ourselves, either.
Pritchard takes handy lead in new Shares Race with lithium and robots
![Fastbrick's robots can lay the bricks for a four-bedroom house in two days.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/l/1/t/b/s/image.related.landscape.120x80.gy3w6y.png/1503622996436.jpg)
Richard Pritchard has thrown down the gauntlet to the Shares Race's reigning champion, Angie Ellis, in week one of the new round of the four-week Shares Race.
Ellis increases her lead as BigUn goes gangbusters
![Angie Ellis is doing well from her picks of BigUn, Electro Optic Systems and Aristocrat.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/b/8/g/l/image.related.landscape.120x80.gxyzcs.png/1503022906367.jpg)
At a little over the halfway mark of the Year-Long Shares Race, Angie Ellis of 80 20 Investment has extended her lead over the second-placed competitor.
The investment metric that's better than the P/E ratio
![Treasury Wine Estates has a high P/E ratio but good growth potential.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/x/u/a/4/image.related.landscape.120x80.gxyck9.png/1503410988213.jpg)
The P/E ratio appears to allow you to compare how expensive companies are relative to each other but it doesn't take account of earnings growth.
Investors facing volatile market
![Tensions are rising between North Korea and the US.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/x/p/x/f/image.related.landscape.120x80.gxy8am.png/1504021000487.jpg)
Among the many factors affecting investment risks, the level of gearing and diversity of asset holdings are paramount.
Buy global stocks because the ASX is not enough
![If you only invest in Australian companies, you miss out on opportunities such as Facebook.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/y/8/6/c/image.related.landscape.120x80.gxus4t.png/1502809400729.jpg)
The ASX is only 2 per cent of the world's stock markets, when measured by market capitalisation.
Back-to-back wins for Ellis after strong race performances
![Cann Group, the medical cannabis company, was the best pick of all](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/j/s/1/w/p/image.related.landscape.120x80.gxu0qa.png/1502530649784.jpg)
Angie Ellis of 80 20 Investments scores yet another win in the Shares Race.
Five places for Millennials to invest their money
![Despite reports of the property market coming off the boil, it's still not a welcoming environment for Millennials.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/p/y/y/t/image.related.landscape.120x80.gxswuo.png/1502377881313.jpg)
Property is but one asset class, and there are many other things you can do with your money in 2017 instead.
More than half of floated companies are underwater a decade later
![Pot stocks have enjoyed fevered interest since the government's moves to legalise the nascent sector.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/h/v/p/a/image.related.landscape.120x80.gxqq5o.png/1502201091835.jpg)
Companies are floated to make money … but not for you.
Financial 'education' can be a trap for the unwary
![In many states you need a licence to use a boat.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/q/p/6/v/image.related.landscape.120x80.gxqpdl.png/1502072015929.jpg)
If only there was a defined path to the Holy Grail, the ability to know which stocks are going up and which are going down and when.
Five megatrends catching the eye of investors
![Investor John Baillie attended an investor day where he could ask questions before deciding on a fund.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/x/h/1/image.related.landscape.120x80.gxontf.png/1502201123853.jpg)
Thematic investing is not without risks, but there can be big rewards.
Ellis holds commanding lead in week three
![Richard Pritchard has has done well from medical cannabis stock, Cann Group.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/r/w/9/8/image.related.landscape.120x80.gxp7e8.png/1501812188829.jpg)
While most contestants lost money during week three of the four-week Shares Race, Angie Ellis, of 80 20 Investments, increased the value of her portfolio.
Ellis increases her lead in fantasy shares game
![The medical technology company, OBJ, has helped Richard Pritchard move into second spot in the Shares Race.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/k/p/d/l/u/image.related.landscape.120x80.gxkh24.png/1501203498514.jpg)
Angie Ellis, of 80 20 Investments, has increased her already commanding lead in week two of the four-week Shares Race.
Get ready for dividend season
![Former prime minister and treasurer Paul Keating was the architect of superannuation and the dividend imputation system.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/m/5/l/image.related.landscape.120x80.gxju0z.png/1502498957684.jpg)
Is there any sweeter (virtual) sound than the digital tinkling of dividends as they fall into your bank account?
How to turn $10,000 into a million dollars
![Winning a game show like Who Wants to be a Millionaire? is one way to earn a million dollars.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/h/d/0/1/image.related.landscape.120x80.gxhbqb.png/1500864516689.jpg)
It sounds like a stupid question but it's actually a really good one.
Bumper financial year returns could be as good as it gets
![Investors have enjoyed a bumper financial year](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/1/0/f/d/m/2/image.related.landscape.120x80.gxewri.png/1500738552742.jpg)
Improving global growth and profits as well as low interest rates have underpinned very strong returns for sharemarkets.
Investors falling foul of rules on tax-deductible interest
![If you're claiming interest on an investment loan for a tax deduction, you need to keep it 100 per cent separate from ...](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/f/4/3/z/image.related.landscape.120x80.gxf3qe.png/1500651734196.jpg)
It is still common for people to find themselves in financial strife because they do not understand the tax implications of their actions.
Beware of bragging money managers
![Ten-year investment returns will look better as the GFC recedes from view.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/9/u/c/c/image.related.landscape.120x80.gxcenr.png/1503541918703.jpg)
Investing is one of the most accountable pursuits you can undertake in one important way: the scoreboard is - metaphorically - 40 feet high and unavoidable.
Investing with a conscience needn't mean lower returns
![Excluding "sin stocks", such as gambling companies, would not have harmed returns from the Australian market over the ...](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/9/u/a/y/image.related.landscape.120x80.gxacng.png/1501329592240.jpg)
Say what you will about ethics in finance, but a big change sweeping through large chunks of this industry is the shift towards investing with a social conscience.
Ellis up 25pc at midpoint of Year-Long Shares Race
![A2 shares are up more than 17 per cent since January after the company twice lifted sales guidance.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/e/2/m/c/image.related.landscape.120x80.gxblsz.png/1503473069361.jpg)
Halfway through the Year-Long Shares Race, seven of our 12 tipsters are in the black and beating the All Ordinaries Index.
'Play money is important': How the avo generation is hooking into the sharemarket
![Not guilty: a study has found avocado is not depriving millenials of a stake in the housing market.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/m/d/x/h/t/image.related.landscape.120x80.gx8c21.png/1502527838238.jpg)
So, you've given up the dream of home ownership – for the moment, at least.
Damian's $100-a-week 'play money' habit
![Damian Worsdell is a 22-year-old customer service officer who saves $100 a week to invest in exchange-traded funds.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/7/t/1/v/image.related.landscape.120x80.gx7t9q.png/1499746683044.jpg)
When Damian was born, his grandmother bought him a couple of hundred dollars of Telstra shares. Now at 22, he has $25,000 invested in index funds.
Five interesting beaten-down stocks
![Retail Food Group owns Michel's Patisserie, Gloria Jean's, Crust Pizza, Donut King and others.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/v/k/p/q/image.related.landscape.120x80.gx7slc.png/1503994561351.jpg)
Often, company share prices fall for very good reasons but sometimes it's caused by a market over-reaction.
Volatility is the new normal in equities
![A number of trends are causing higher volatility for individual shares.](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/i/3/h/4/image.related.landscape.120x80.gx7sy9.png/1499637893589.jpg)
Market volatility has destroyed the concept of "safe income" in equities, but there are options to ensure a smoother investment ride.
Coal-fired investors risk being unplugged
![Tesla chief executive Elon Musk (left) and SA Premier Jay Weatherill announced the world's biggest lithium ion battery ...](http://web.archive.org./web/20170903180018im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/7/q/8/1/image.related.landscape.120x80.gx7pwa.png/1499584875259.jpg)
Elon Musk stole all the headlines with the announcement that Tesla's largest ever battery would be built 200 kilometres north of Adelaide.