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Smart Investor

Yesterday

In slowing global growth markets, hedged emerging market local rates can perform well.

The three reasons your portfolio needs emerging markets

A key attraction is the ability to invest across segments that often react differently to various macroeconomic environments.

  • Cathy Hepworth

What you’re missing out by investing only in Australian shares

With low forecast earnings domestically, if you aren’t diversifying across markets, it’s time to do so now.

  • James Weir

This Month

Lending to stable mid-market companies in the US and Europe is the most favourable segment of private credit.

The best private credit opportunities are in the US, Europe right now

Target returns from private credit are around 5 per cent to 6 per cent above the RBA cash rate.

  • Mark Draper
Lukas Winward says the beauty of golf is that the act of playing, walking and teeing up gives people plenty of time to think.

The happiest retirees have these things in common

Someone who retires at 67 and is lucky enough to live to 87 in good health has 7300 days to fill. Make them happy ones, advises The Golfing Counsellor.

  • Lucy Dean
AFR

House deposit or HECS debt: what’s best for the kids?

Soaring student loan debts can reduce first home buyer lending capacity by up to $140,000, according to analysis by RateCity.

  • Duncan Hughes and Lucy Dean
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Insolvencies are the highest since ASIC started keeping records in 1999.

Business bankruptcies are at a 25-year high and that’s very bad news

In total, 1131 businesses went bust in the month, which was the largest number since ASIC started collecting these statistics in 1999.

  • Christopher Joye
The ASX  opened lower after another poor day on Wall Street.

The curse of market concentration is spreading

Concentration risk has tended to be predominantly confined to the Australian market but as investors diversify overseas, they face a similar problem in the United States.

  • Ben Smythe
Liz Kirke has taken up jiu jitsu and loves how it makes her feel.

Get fit for retirement by starting with these micro hacks

Retirement is typically a time for running after grandkids, playing golf and travelling. But after years or even decades of office work, regaining fitness can be challenging.

  • Lucy Dean
A question of super.

How do I calculate my tax-free super pension limit?

The transfer balance cap has increased twice since its inception to reach $1.9 million. Calculating how to stay within it can be tricky.

  • John Wasiliev

New superannuation tax may hit venture capital

SMSFs will shy away from investing in start-ups for fear of being slugged with big tax bills on unrealised gains.

  • Peter Burgess
“Getting started is so much easier now,” says Aussie Angels’ Cheryl Mack

Three ways investors can back the next Canva

Dozens of angel investing clubs are allowing sophisticated investors to buy a piece of early-stage start-ups for as little as $10,000.

  • Tom Richardson
Chef Mark Davis outside his home at Raymond Terrace.

Mark escaped mortgage prison. Thousands more remain trapped

Brokers say “lowball” valuations are on the rise as home owners struggle to refinance.

  • Lucy Dean
Consumer spending may start to turn around from mid-year.

Where to shop for opportunities in the retail sector

Consumer spending may start to turn around from mid-year, throwing up opportunities in retail companies.

  • Scott Haslem
Tung Nguyen plans to retire next year at 50.

Meet the former refugee retiring at 50 thanks to gold’s surge

Tung Nguyen has invested heavily in gold and bitcoin via his SMSF.

  • Tom Richardson
Emilio and Demi Martinez, and their French bulldog Bobbi, are happy iwith their Brisbane unit.

What to buy if you can’t afford a house

The best investment bets are boutique unit complexes in blue-chip suburbs.

  • Updated
  • Lucy Dean and Michelle Bowes
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Sticky services inflation will thwart the rapid mean-reversion in prices that gullible bond and equity markets were projecting.

Inflation shocks bond bandits

The spike in US inflation has caught equity and debt investors napping.

  • Christopher Joye
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Billion-dollar wealth hit afoot as BHP’s dividends fall

The big miner’s place in history and our retirement savings means nearly 70 per cent of Australians face a financial hit as it prepares to pay lower cash dividends.

  • Tom Richardson
A question of super.

Will borrowing to buy property in an SMSF affect my credit rating?

Some banks are happy to ignore loans in SMSFs, others will require detailed information about how you plan to service the loan.

  • John Wasiliev
Aged care announcements are expected in the federal budget.

Time to force wealthy retirees to tap super to pay for aged care

There is no good reason why today’s workers should fund aged care for older Australians who have accumulated generous superannuation savings.

  • Rodney Horin and John Rawling
To simplistically invest in lower than historic relative valuations is far from a recipe for success.

Why investors shouldn’t buy assets just because they’re cheap

Underpriced opportunities are either the result of short-term dislocation or fundamental concerns. It’s important to know which of these forces are at play.

  • Giselle Roux