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Gearing

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Five strategies popular with active share traders

Experienced traders on nabtrade boost their 'buy and hold' portfolios with shorter-term strategies based on their personal views of the world. These are not for everybody but show how some individuals react.

Financial leverage in real estate: friend or foe?

Financial leverage is already built into many real estate funds and companies, and borrowing even more to invest can produce spectacular results - on both the upside and the downside.

The best and worst managed fund of all

How could a managed fund lose 96.5% of its value and then gain 767%, to become both the worst and best performing fund in Australia? From financial crisis to recovery, the answer is in the timing and the structure.

Different risks and benefits in SMSF gearing

The use of leverage within SMSFs has come under heavy scrutiny lately with strong arguments for and against. Some forms of 'protected' gearing can help manage risk, demonstrating that not all gearing is the same.

Make ‘automatic’ investing your first item of expenditure

Where possible, we should be saving more, whether it's for retirement or a rainy day, but our human psyche seems to work against us. The key is to put money aside first and make the payments automatic.

Real client experiences often differ from the headlines

In the financial and economic world, we use medians and averages to assess our position and make decisions about the future. But as each individual is different, aggregated statistics aren't always useful.

The returns to expect from gearing into shares

How well must the market perform for a geared portfolio to deliver better returns than a normal, ungeared portfolio? Or put another way, if the market index rises or falls 10%, how much will a geared strategy change in value?

Most viewed in recent weeks

Stop treating the family home as a retirement sacred cow

The way home ownership relates to retirement income is rated a 'D', as in Distortion, Decumulation and Denial. For many, their home is their largest asset but it's least likely to be used for retirement income.

Welcome to Firstlinks Edition 433 with weekend update

There’s this story about a group of US Air Force generals in World War II who try to figure out ways to protect fighter bombers (and their crew) by examining the location of bullet holes on returning planes. Mapping the location of these holes, the generals quickly come to the conclusion that the areas with the most holes should be prioritised for additional armour.

  • 11 November 2021

Welcome to Firstlinks Edition 431 with weekend update

House prices have risen at the fastest pace for 33 years, but what actually happened in 1988, and why is 2021 different? Here's a clue: the stockmarket crashed 50% between September and November 1987. Looking ahead, where did house prices head in the following years, 1989 to 1991?

  • 28 October 2021

Why has Australia slipped down the global super ranks?

Australia appears to be slipping from the pantheon of global superstar pension systems, with a recent report placing us sixth. A review of an earlier report, which had Australia in bronze position, points to some reasons why, and what might need to happen to regain our former glory.

How to help people with retirement spending decisions

Super funds will soon be required to offer retirement income strategies for members in decumulation. With uncertain returns, uncertain timelines, and different goals, it's possibly “the hardest, nastiest problem in finance".

Tips when taking large withdrawals from super

You want to take a lump sum from your super, but what's the best way? Should it come from you or your spouse, or the pension or accumulation account. There is a welcome flexibility to select the best outcome.

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