What are the best ways to use your tax refund?

Ah yes, tax time. The time of year when we’re filing all of our hard-earned income to our friends at the ATO. If you’ve already filed and have received (or a due to receive) a refund then you’ve undoubtedly got some nifty ideas on where to spend your cash.

Here at Clover, we’ve utilised some incredibly complex mathematical modelling to create our Happiness vs. Time formula, and applied it to some real-life examples. Prepare to be astounded! Continue reading “What are the best ways to use your tax refund?”

Warren Buffett on investment fees

The Buffett Bet

About a year ago we wrote a piece on a remarkable bet between Warren Buffett and hedge fund-of-funds manager Ted Seides. The premise of this one million dollar bet instigated by Buffett was that over a 10 year period beginning 1 January 2008 a simple S&P 500 index fund would outperform the best, most complex strategies that any Wall Street hedge fund guru would care to put together.

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What is inflation and why it matters to your investments


You’re probably familiar with inflation…right?

You may be surprised. According to recent results from the HILDA survey only 77% of men and 63% of women correctly identified the concept of inflation. Moreover, there’s a difference between knowing what inflation is, and knowing the impact it has on your investments.

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Would impact would a trade war have on your investing portfolio?

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?”