There are 45 articles in this Investment principles Series
  • Beginner
    4 m

    The magic of compounding

    Managing my portfolio and super strategies

    The power of compound interest is best seen over long periods of time, especially when your savings are earning a healthy return.

  • Beginner / Advanced
    6 m

    Setting the bar higher

    Managing my portfolio and super strategies

    For a decent standard of retirement, most of us will need to do better than the market. How? Finding managers who have a history of outperformance.

  • Beginner / Advanced
    10 m

    What is value investing?

    Managing my portfolio and super strategies

    Value investors thrive on irrational decisions and often do the opposite of what the crowd is doing. But how does it actually work?

  • Beginner
    5 m

    Fees against costs

    Managing my portfolio and super strategies

    Choosing a super fund means considering losses and gains. Higher fees seem like a loss - but what if they produce a greater overall return?

  • Beginner
    4 m

    Can tortoise and hare both lose?

    Managing my portfolio and super strategies

    When it comes to the sharemarket, slow and steady - and systematic, in the case of dollar cost averaging - wins the race.

  • Beginner
    4 m

    The two types of risk

    Managing my portfolio and super strategies

    Permanent loss of capital is a well known investment risk. But there's another risk - being in the wrong asset class for your stage of life.

  • Beginner
    2 m

    What is inflation?

    Managing my portfolio and super strategies

    Find out what inflation is and how it is measured.

  • Beginner / Advanced
    3 m

    How does inflation affect my investments?

    Managing my portfolio and super strategies

    Inflation can dilute the real value of income or capital growth. Find out what affect it can have on investments and what your 'real' return is.

  • Advanced
    4 m

    5 investment words you need to know

    Managing my portfolio and super strategies

    Find out the five key investment words you need to know to ensure your superannuation doesn’t need life support in the future.

  • Beginner / Advanced
    6 m

    What you need to know about diversification

    Managed investments

    Diversifying investments is different for everyone, but necessary to spread risk. We show you how to do it over time, markets and asset classes.

  • Beginner / Advanced
    5 m

    10 investment quotes you need to know

    Managing my portfolio and super strategies

    Learning how those that invest for a living think about the ‘game’ can be an interesting way to develop your own investment mindset.

  • Beginner / Advanced
    3 m

    Absolute performance

    Managing my portfolio and super strategies

    Your total return each year is what will make or break your wealth, which is why absolute performance should be used to evaluate your investments.

  • Beginner / Advanced
    2 m

    Fees v. performance

    Managing my portfolio and super strategies

    We have been led to believe low fees are the way to go, but what about performance? We show you how to really judge a fund.

  • Advanced
    5 m

    What is a high water mark?

    Managed investments

    A high water mark can help you decide on a fund manager that only gets rewarded if they have exceeded previous highs, not just beaten a benchmark.

  • Advanced
    5 m

    What to do in a bear market

    Managing my portfolio and super strategies

    Investing means being aware how business cycles can affect your portfolio. We explain what a bear market is and how it affects your portfolio.

  • Beginner / Advanced
    4 m

    How super fees are charged

    Super

    When it comes to the management of investments in your super, providers can charge a fixed fee or a fee based on a percentage of your balance.

  • Beginner / Advanced
    6 m

    Active or passive investing: what’s better?

    Managing my portfolio and super strategies

    You're a passive or active investor depending if you want to return the same as the market or do better than it. But you don't have to only be one.

  • Beginner
    7 m

    Superannuation: 6 ways to make it easy

    Managing my portfolio and super strategies

    From which account is right for me, to do I have enough money for super and where do I start – we have the answers to help you take the first step.

  • Beginner / Advanced
    6 m

    Pros of active investing

    Managing my portfolio and super strategies

    An active strategy gives flexibility to investments so, with the aim of beating the market, they can be adjusted according to market conditions.

  • Beginner
    4 m

    A sweet tooth’s guide to investing

    Managing my portfolio and super strategies

    Remember these three investing principles and you’ll put yourself in the best position to enjoy the lolly jar as much as you want.

  • Beginner / Advanced
    6 m

    A beginner’s guide to investing

    Managing my portfolio and super strategies

    If you aren't sure where to start your journey or think you could improve, we have the steps you need to take - and you don't have to go it alone.

  • Beginner / Advanced
    7 m

    Your 10 year super plan

    Super

    How different would your super look like in a decade if you made a slight change to make it work harder?

  • Beginner
    3 m

    3 things to look out for

    Managing my portfolio and super strategies

    If you ensure you aren't over-exposed, stashing too much of your cash or trying to time the market, your savings balance will thank you for it.

  • Beginner / Advanced
    6 m

    How much should your super have in shares?

    Shares and investment markets

    Giving your retirement savings the opportunity to grow means investing in shares, and the right type, so you need to be all-in early on.

  • Beginner / Advanced
    5 m

    What is growth investing?

    Managing my portfolio and super strategies

    How quickly a company can grow its earnings will decide how fast and how high the shareprice goes. We tell you what growth companies look like.

  • Beginner / Advanced
    5 m

    Why you still need to diversify

    Managing my portfolio and super strategies

    Ensuring your portfolio is diversified can make managing your retirement savings that bit easier. Find out why it's still important.

  • Beginner / Advanced
    6 m

    3 reasons growth can be better than dividends

    Managing my portfolio and super strategies

    Unless you're retired and rely on dividends for income, shares that will grow in value over time could be your ticket to achieving the highest return.

  • Advanced
    5 m

    When to quit an investment

    Managing my portfolio and super strategies

    Holding on to a shocker of a share in hope it will rebound means you could be missing out on other, more profitable investment opportunities.

  • Beginner
    4 m

    What is dollar cost averaging?

    Managing my portfolio and super strategies

    We look at an investment strategy where you invest at regular intervals to help manage the highs and lows of shareprices.

  • Beginner / Advanced
    6 m

    Super: 4 things to know if you’re under 40

    Super

    Super is part of your monthly pay, but we often skip over it because it's not money we can get our hands on today. We shortlist what you need to know.

  • Beginner
    5 m

    Questions to ask yourself when investing

    Managing my portfolio and super strategies

    Knowing what investments to buy and sell can be daunting, so we have three questions to ask yourself before making any decisions.

  • Beginner / Advanced
    2 m

    Why super is a long-term investment

    Super

    For most of us, super is going to be an investment that spans over forty years, which means our retirement savings will go through many ups and downs.

  • Beginner / Advanced
    2 m

    What's your risk tolerance?

    Managing my portfolio and super strategies

    Working out how much risk you can take on comes down to a combination of your willingness and ability.

  • Beginner / Advanced
    5 m

    How to weather a bad month on the market

    Shares and investment markets

    As sharemarkets endure a sell off we explain two key reasons super savers should focus on returns over the long-term instead of day-to-day.

  • Advanced
    4 m

    Seizing opportunities

    Shares and investment markets

    Tactical asset allocation decisions are based on short-term expectations for investments. Find out how to make the most of a sharemarket rout.

  • Beginner / Advanced
    4 m

    Managed funds and liquidity risk

    Managed investments

    Depending on the type of assets a managed fund owns, you might not be able to get your money back when you want it.

  • Beginner / Advanced
    5 m

    3 reasons why the sharemarket won't go broke

    Shares and investment markets

    Understanding why sharemarkets can fall will help you recognise that it doesn't necessarily mean the companies you own are bad or should be sold.

  • Beginner / Advanced
    4 m

    Buying shares

    Shares and investment markets

    Placing a market or a limit order can be as simple as thinking about the reason you are buying or selling shares - and there's trade-offs with both.

  • Beginner / Advanced
    6 m

    The cost of having too much cash

    Managing my portfolio and super strategies

    If you have sold down too many of your investments in the latest downturn you could be foregoing higher returns that other options can offer.

  • Beginner / Advanced
    06 m

    Retirees and negative returns

    Shares and investment markets

    Find out why retirees - especially those who have only quit the 9 - 5 recently - are sensitive to negative returns.

  • Beginner / Advanced
    02 m

    Part 1: What to invest in

    Managing my portfolio and super strategies

    The first step of investing your super is working out whether you need to grow or protect your retirement savings.

  • Beginner / Advanced
    02 m

    Part 2: How much in each asset class

    Managing my portfolio and super strategies

    Working out how much to invest in each asset class can be guided by how far away retirement is.

  • Beginner / Advanced
    02 m

    Part 3: Deciding on individual investments

    Managing my portfolio and super strategies

    You don't need to know the ins and outs of individual companies to work out what investments your super will own.

  • Beginner / Advanced
    04 m

    3 investment ideas

    Shares and investment markets

    Does your super fund only own shares and cash? We have three investment ideas you could consider for your retirement savings.