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February 8, 2017

Jump-start your retirement savings

Unfortunately, many people would reach their mid-fifties and conclude that their savings are not on track to finance a satisfactory lifestyle in retirement. Fortunately, worthwhile steps can often be taken to boost their nest-eggs in the countdown to retiring. Perhaps family obligations and/or work circumstances made it difficult to put aside enough money towards retirement. Perhaps, inertia or procrastination played a part. Ideally, you should begin to save for retirement as early as possible in your working life. Early savers have the formidable advantage of compounding over the long haul as investment returns are earned on past returns as well […]
February 8, 2017

Planning a holiday, building a house and creating a portfolio

Two quick questions. How long did you take to plan your last Christmas holidays? And how long did you take to plan your investment portfolio? “It’s often said that many people spend more time planning a two-week vacation than they do on their investment plan,” say US-based Vanguard investment analysts Donald Bennyhoff and Colleen Jaconetti in an updated research paper. “Experience suggests that this witticism is not far off the mark,” Bennyhoff and Jaconetti add. “On their own, investors often ignore the important planning phase,” the analysts emphasise, “focusing instead on filling their portfolios with investments featuring attractive returns. This […]
February 1, 2017

New Year (investment) resolutions

An astute way to begin a new year is to take a close look at your personal finances – including your super and non-super investment portfolios and your retirement-saving strategies – and to think about what improvements should be made. Even if your personal finances are in reasonably good shape, there’s inevitably room for improvement. Critically, a guarded but not bearish outlook for portfolio returns underscores why investors should take a disciplined approach and ensure that their expectations for returns are reasonable in this low-interest, more subdued-return environment. (Investors who are overly optimistic may be tempted to take excessive risks in […]