The 2017/18 financial year just ended could best be characterised as a story in two parts. The first half was one of unbridled optimism in investment markets, as a steady stream of positive economic news buoyed asset prices both in Australia and abroad.
Continue reading “2018 Financial year in review”
If you’ve been paying attention to the news the last few weeks, then you’ve likely heard the term ‘trade war’ in regards to the U.S. and many of its major trading partners. This news has been sending global sharemarkets on a bit of a roller coaster.
But what does this mean for your investments and should you be concerned? Do you need to rush to the grocer and stockpile Tim Tams?
Continue reading “Would impact would a trade war have on your investing portfolio?”
Big money windfalls are always welcome. Whether it’s getting a bonus from your employer, a fat tax return, or even a winning lottery ticket – the extra cash always comes in handy.
Continue reading “What is dollar-cost averaging?”
With the cold grip of winter now here, it’s no surprise if you’ve started to think about a dream getaway somewhere a lot warmer. Whether sipping Mai Tais on a beach or feeling the warm rays of blue skies in Sicily, you may be ready to ditch the winter blues.
Continue reading “7 ways to save for a dream vacation”
If you’re wondering if our low fees are worth it then read on. We’re confident that our fees are a great value for the services we provide. So grab a seat, read what we have to say, and decide for yourself.
Continue reading “Why should I pay Clover a fee?”
We all have cognitive biases in our lives – an inclination to give a preference to something or someone. Biases distort our thinking and often result in us making poor and ill-informed decisions. Very often we’re not even aware we have them! Worst of all, these biases can lead to very bad investment choices.
Continue reading “5 biases that can make you a terrible investor”
You know the feeling – keep on the bed socks, tie up the fleecy dressing gown, and start the day in the worst possible way by being greeted at the letterbox by your new power bill.
Just about any offensive four-letter word will capture the moment well when you take in that number after the $ sign.
Continue reading “5 ways to winter-proof your home for lower bills”
As you’re answering emails or responding to Slack notifications on the go, you may wonder if devices like the smartphone really make your life better. But, there’s little doubt that in many ways, they can make life easier.
Need to know what time it is in New York? “Hey Siri!”
Like it or not, our phones and tablets mean that answers are in the palm of our hands.
So why should it be any different for our finances?
Continue reading “6 finance apps that make your life easier”
The First Home Super Saver Scheme (“FHSS”) is a new initiative that passed into law on 13 December 2017. The scheme allows individuals to save towards their first home deposit within the superannuation system as from 1 July 2017.
The FHSS is the government’s response to helping Australians with housing affordability. But is it enough? In Part 2 of our 3-part series on Housing Affordability, we ask whether or not the FHSS is the saviour of the great Australian dream, or is it too little too late?
Continue reading “New Scheme for First Home Buyers Falls Short of the Mark”
This Sunday 22 April is Earth Day – the world’s largest environmental movement that makes an awful lot of awesome noise about how great our planet is – and how important it is that we as its guardians take better care of it.
If you value being sustainable, your financial practices can also have an impact on the world (and your wallet).
Continue reading “What you need to know about ethical investing”