With yet another financial year over, we take the opportunity to look back on the past twelve months and review what it has meant for investors.
Why the founders of YourGrocer believe in socially responsible investing

Morgan and Nicolette love big ideas, startups and keeping things local. They were part of the founding group at Thankyou and later started YourGrocer, a same-day delivery service from local grocers, butchers, bakers and shops. We sat down over brisket at Le Bon Ton to talk life, work and money.
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Is investing with Clover… risky?

Recently, Clover was included in the above article with the headline: “Desperate deposit savers turn to risky strategies”. While some of the other investment strategies mentioned in the article are extremely risky — specifically speculative stocks and margin trading — Clover is absolutely not on that same risk scale.
Don’t let volatility Trump your investment plans
Note: This post was originally published and sent to our clients on November 10, 2016, the day after Donald Trump was elected President. At that moment, global stock markets were falling, and many investors were panicking. We’re reposting now — unedited — our advice to hold through volatile times. Thankfully, the overwhelming majority of our customers did continue to hold their investments, and have been rewarded with significant growth since November 2016.
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I just put my life savings into the startup I work for.
During the past six months I’ve transferred our life savings out of a high interest savings account, and into an investment account managed by Clover, the startup I work for.
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What are exchange traded funds?
Exchange Traded Funds are a type of investment that’s popular due to their diversification, low fees and flexibility. In Australia, there’s more than 20 billion dollars invested via ETFs.
An ETF is essentially an investment fund that owns a large amount of individual shares, bonds, real estate or commodities, and then are sold in small parcels.
7 ways Clover takes the stress out of investing

One reason we started Clover is to help people invest better, and to start sooner. Investing doesn’t have to be overwhelming, convoluted or filled with jargon, and we aim to remove as much of the anxiety and complexity as possible.
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Why you should diversify your investments
Have you ever heard the term “diversification”? It’s one of those investment terms that appears everywhere, yet it’s often not explained clearly.
Diversification is the process of spreading your investments. This helps you avoid unnecessary risks, and reduces your losses on any one investment.
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Active versus Index-Based Investing: which is better?

For as long as investing has existed in its modern form, there’s been an ongoing debate about what is the best investment philosophy. While there’s passionate opinions on each side of the fence, we think the obvious way to decide is to look at the data. Thankfully, there are studies that have looked at the results of more than 2,000 funds and compared these to historical outcomes. In this post, we’ll look at the evidence of both Active and Index-Based Investing, and share why we’re confident in our approach.
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Introducing: Clover’s Socially Responsible Investment option

At Clover, our mission is to make smart investing more personalised and more affordable. That means we’re constantly looking at ways to make Clover more customised and relevant to the things you care about, while staying true to evidence-based investing.
Since launching Clover in 2016, one of the most requested features (and a feature we’re proud to work on!) is an ethical investment option.
Today, we’re pleased to announce that you can now include Socially Responsible Investments in your Clover portfolio. You can be proud that your investments will put future you — and the world — in a better place.
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