Working out your risk profile is the first step towards developing a diversified investment portfolio
Growing support for higher taxes on the rich and greater government intervention in the economy suggest median voters have shifted to the left...
Dividends are great for investors. They augur well for earnings growth, provide a degree of security in uncertain times, are likely to comprise a relatively high proportion of returns going forward and provide a relatively stable source of income...
While nearly nine in 10 say they have a preference, less than five in 10 have discussed their wishes with their family. What about you?
Successful investing should be simple but increasing rules, regulations, choices and social media are making it anything but. At its core, it is still simple though...
While you’ve still got time on your side, check out this list of things to think about, so you can hopefully continue the party in retirement.
Australian home prices are likely to fall another 5-10% this year driven by a further 15% or so fall in Sydney & Melbourne. Tight credit, rising supply and falling price expectations are the main negatives...
Despite continued volatility, 2019 is likely to be better for diversified investors than 2018 was...
The Fed has raised interest rates for the ninth time since first raising rates this cycle three years ago, taking the Fed Funds rate from a range of 2-2.25% to 2.25-2.5% reflecting ongoing confidence in US growth...
If your SMSF contains residential investment properties, it’s understandable you could be feeling nervous...
In the current economic environment many companies are finding it difficult to grow earnings organically so they are turning to acquisitions more frequently...
Under the First Home Super Saver Scheme, individuals (who've never owned a home) are accessing a portion of their super savings to do so. First home buyers have withdrawn more than $5 million from superannuation funds1 across the board under a federal government scheme designed to make housing more affordable. Townsends Business and Corporate Lawyers special counsel Michael Hallinan said he was surprised there had been such significant uptake in the scheme's first few months of operation. This was because there seemed to have been too little time to accumulate sufficient eligible contributions to make accessing the scheme – which can only be done once – worthwhile. The First Home Super Saver scheme has been up and running since July 1 this year.
> The pullback in shares could still have further to go but a deep (grizzly) bear market is unlikely as US, global or Australian recession are unlikely. > Increasing US Federal Reserve openness to a pause in raising rates, the likelihood of a US/China trade deal sometime in the next six months and the plunge in oil prices all add to confidence that a grizzly bear market is unlikely.
> Getting your personal finances right can be a challenge. Here are 13 tips that may be of use: shop around when it comes to financial services; don’t take on too much debt; allow that interest rates can go up as well as down; allow for rainy days; credit cards are great but they deserve respect; use your mortgage (if you can) for all longer term debt; start saving and investing early; allow that asset prices go up and down; try and see financial events in their longer-term context; know your risk tolerance; make the most of the Mum and Dad bank; be wary of the crowd; and there is no free lunch...
We check out the three largest contributors to household spending in Australia and where people would source cash if living expenses increased. Find out more with AMP.
Dr Shane Oliver explains what investors should keep in mind.
Sharp market falls with headlines screaming that billions of dollars have been wiped off the share market (funny that you never see the same headlines on the way up!) are stressful for investors as no one likes to see the value of their investments decline. However, several things are worth bearing in mind...
The first strategy is to always pay more than the minimum.
A surge in financial information and opinion combined with our inclination to focus on negative news risks making us worse investors: more fearful, more jittery, more reactive, less reflective & more short term. This is potentially harmful to our long-term financial health.
The period August to October is a time for anniversaries of financial market crises – the 1929 share crash, the 1974 bear market low, the 1987 share crash, the Emerging market/LTCM crisis in 1998, and of course the worst of the Global Financial Crisis in 2008...
For years now, many have told us that Australia is heading for an imminent recession. By contrast official forecasts have long been looking for several years of above trend growth. In the event neither has happened and we don’t see them happening anytime soon. Against this backdrop there are five things you should know about the Australian economy...
The past five years have seen pretty good returns for well-diversified investors. While cash and bond returns have been modest, growth assets have been strong. Average balance growth superannuation funds have returned 8.5% pa over the five years to June and that’s after fees and taxes. This is particularly impressive given that inflation has been around 2%.
For the last two calendar years the Australian dollar has defied our expectations for weakness. But after hitting $US0.81 in January it’s been trending down as US interest rates fell below the Australian cash rate, the threat of a US-driven trade war increased and it recently broke below a short-term range around $US0.74 and fell as low as $US0.72 on fears of contagion to global growth from a crisis in Turkey.
More than one in five Australian’s in their mid 20s still live at home. Find out why and learn more with AMP.
This list of common money personalities could shed light on how you and those around you measure up. Find out more with AMP.
AMP Tomorrow Maker Sam Marwood and friends are matching retiring farmers with those wanting to work the land but lack the financial means.
Aussies aged 65 and over can now top up their super with the proceeds from the sale of their main residence. Learn more about downsizing for retirement with AMP.
If you file for divorce, or separate from your de facto, who gets to keep the superannuation money? Discover more about superannuation and divorce today with AMP.
This financial year is the first time employees can claim a tax deduction for their personal super contributions. Find out more with AMP.
Everyone is different, so it’s important to ask yourself the right questions as the cover you require will depend on multiple factors.
Changes aimed at improving housing affordability have passed through parliament. Find out more with AMP.
Want to know how to live a longer, healthier life and make your money last? AMP explores what we can learn from the Blue Zones and the secrets of a long life.
If you’re wondering whether super is improving retirement outcomes for Australians, AMP takes a look at some of the findings.
The recent share pullback has seen much coverage and generated much concern. Dr Shane Oliver offers seven considerations for investors.
A survey has revealed that around 90% of Aussies make impulse purchases. Find out how you can make your money go further with AMP.
Find out what lies ahead for the spring property market for first home buyers and upgraders from AMP Capital economist, Diana Mousina.
There are several questions people have about insurance. See what they are and what you can do! – AMP
If you’re looking to turn your gap year into something employers will value, check out these five things worth taking note of.
If you or someone you know has recently been made redundant, check out our 5-point action plan for what to do next.
The Australian retail environment remains in a tough position due to factors weighing on consumer demand along with discounting pressures from competitors.
More than ever, smart credit card use extends far beyond just clearing your debt.
The price of childcare may be a deterrent to working, but loss of income, super and other benefits may cost more.
Many Australians, in particular low-income earners, are set to benefit from the latest superannuation changes. See how new rules could impact you.
Is growth still in the forecast for the new financial year? Shane Oliver reveals his predictions
Economic abuse is recognised as a form of domestic violence in many, but not all, Australian states.
Find out about investment opportunities in 2017 from Dr Shane Oliver, Head of Investment Strategy and Chief Economist, AMP Capital Investors.
Knowing what's happening in the economic markets can help, together with your financial planner, make confident decisions about your financial well-being. Dr Shane Oliver delivers an up to date and easy to understand view of the global markets through our regular publication "Oliver's Insights"
Dr Shane Oliver is Head of Investment Strategy & Chief Economist at AMP Capital Investors and one of Australia's most respected economists.
For the latest editions of Oliver's insights, click here
Since 2001, AMP and the National Centre for Social and Economic Modeling (NATSEM) in Canberra have produced a series of reports that open windows on Australian society, the way we live and work - and our financial and personal aspirations.
The reports focus on the distribution of income and wealth as key factors that differentiate generations and segments of society. AMP sponsors this research to help our customers make informed financial and lifestyle choices.
Reports include: "Modern Family - The changing shape of Australian families - October 2013", "The Cost of Kids: the cost of raising children in Australia - May 2013" and "Prices these days! The cost of living in Australia - May 2012". View the reports here.