Australia’s housing affordability woes: Part 1

couple in house with boxes

Australia’s home affordability woes have impacted a whole generation of young Australians now facing the daunting challenge of breaking into the property market.

Clover Co-Founder Harry Chemay explains why ownership rates among young Australians, particularly those under the age of 35, have experienced a significant decline over the last four decades.

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Why volatile markets separate true investors from the rest

Male looking stressed out in front of his laptop computer

There’s a saying among seasoned pilots that flying can best be described as long stretches of boredom punctuated by moments of sheer terror.

Many investors, reeling from the recent pullback in the US sharemarket that commenced on 5 February after the stellar returns of 2017,  would no doubt share these sentiments.

For newer investors who’ve never experienced a share market pullback of this size and speed, the recent movements must have been nerve-wrecking. Media headlines screaming “market rout”, “bloodbath” and “worst point decline in history” certainly didn’t help matters either, stoking fear in the investing public for the sake of clicks, views and readership.   

If you’ve just had your first experience of a sharemarket dip, welcome to the club. Grab a seat and catch your breath. It may be your first market correction but it will almost certainly not to be your last. All-time sharemarket highs followed by the occasional reversal are a feature, not a bug, of long-term investing.

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What’s the difference between a dividend and a distribution?

dividend distribution

Investing can be intimidating especially with all the jargon thrown around. Capital gains! Efficient market hypothesis! Rate of return!

Thankfully, you don’t need a PhD to be a successful investor.  But, there are a few terms you should familiarise yourself with on your journey to financial security.  Two of the more confusing are dividends and distributions.  Often these terms are used interchangeably, even though they have very different meanings.

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