What’s your magic number?

What’s your magic number?

By Damon Sugden

Damon Sugden squareAccording to a recent survey 1,  Australians tend to underestimate the amount of money needed in our retirement years by as much as 20%.

Survey respondents, including active Australian investors, revealed a disconnect between income amounts believed to be needed in retirement, versus their real cost of living. Pre-retiree Australians foresee their base line living expenses will consume up to 40% of their retirement income, whilst … more

How to handle retirement-related stress

Throughout your working life, you’ve probably looked ahead to retirement as a stress-free time, where you don’t have to worry about all the challenges and conflicts related to your working life. However, retirement can be a stressful time too, and your ability to handle the various stresses can have a direct impact on your overall health.

Positive and negative stress

Positive stress is also known as eustress and refers to … more

Is there a Free Lunch to Investing?

By Michael Hayward

Michael Hayward

Yes! And to earn it you have to be deliberate with the implementation of your investment approach.

When we’re asked to review and provide a second opinion on someone’s existing investment portfolio, we quite often see a strategy that relies on owning a few individual equities or holding an actively managed fund which promotes being able to pick stocks and beat-the-market.

The problem with this is that … more

How do you Define Retirement?

By Rakesh Shah

Many people only see retirement as the “finish line” of their working life, without considering what it means to be retired, or planning for this new phase of life. In actuality, retirement can prove to be a significant portion of your life if you remain healthy and active. You need to plan this phase of your life as carefully as you planned each phase of your career.  … more

Top Tips for Staying Happy in Retirement

By Rakesh Shah

 Your financial situation is the one aspect of retirement you can work on before retiring!

Retirement can be an exciting and liberating phase of your life, but many new retirees are surprised at how difficult it can be to adjust. Ironically, it’s only when you step away from your career that you fully appreciate the underlying benefits of being in the workforce. Once the “honeymoon” phase of … more

Titanic in the Sky – Lessons from QF 32

By Rakesh Shah

The passengers looked troubled, but the Captain’s voice over the aircraft’s PA system was calm and reassuring. The voice was that of Qantas Captain Richard de Crespigny, and I was watching the documentary QF32 – Titanic in the Sky.

For those who have not seen this documentary – QF32 is the story of how one of Qantas’ brand new A380’s had a very close brush with … more

How much is enough?

By David Andrew

David Andrew

If you do a Google search for ‘how much is enough in retirement’ you will get almost 85 million results.  So if you’ve been wondering how much is enough for your retirement, you’re not alone.  The answer will depend on your circumstances and expectations.… more

Planning for retirement – do you have enough?

By Michael Hayward

Michael Hayward

A common query that comes across my desk is “do I have enough to retire?”

Of course, the answer to that question is very much dependent on your answers to a host of other questions.



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SmartInvestor – July 2016

Research, Trends, Topics and Asset Class Returns for Long-term Investors.

What’s the Risk of Portfolio Ruin?

In a follow up to the article we published about the Brexit referendum result we thought it might be useful for this issue of Smart Investor to focus on the options available to investors dealing with market uncertainty.  In our Brexit article we cautioned against reacting to the news headlines, and in the days … more

Brexit stage left…

By David Andrew

David Andrew

The ‘shock’ decision last week of Brits to leave the European Union is a reminder that financial markets prefer certainty, and will react, sometimes violently, to shocks.   The London market has fallen 7.18 per cent, the German DAX 6.62 per cent, and way down under in Australia, our market is down 3.09 percent.1more

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