The Australian Prudential Regulatory Authority (APRA) investigated 86 of the MySuper organizations as per the new legislation imposed in November 2020. Here, they conducted a basic benchmark performance test. To ensure these funds were up to scratch given they hold around $900B of everyday Australian’s retirement funds. Scarily, 13 out of the 86 funds failed to meet industry standards. Regardless, leaving over 1 million Australians affected. And equated to $56B of funds performing below par. To put this into perspective, APRA’s ‘benchmark’ return on Australian Equities over an 8-year period had to average 7.88% net of fees. In order to fail this particular asset class. These MySuper funds would need to underperform by greater than 0.5%. And leaving the average 8-year return to anything less than 7.33%. As what is a record high stock market.


https://moneyandinvesting.com.....au/blog/your-future-

The fact of the matter is, most people are purely evaluating the mechanics of their investment before they hit the go button – focusing on their technical, fundamental and quantitative analysis. For traders, this is like operating a car – turning the lights on, shifting the gears into drive and putting their foot on the accelerator. Seems pretty straight forward, right? But what about if you just had a massive argument with your partner and you got in the car to drive home after an absolute bellringer…how would you be driving? In that state, you’d be swerving around, honking your horn and probably driving way above the speed limit in pure anguish and frustration.


https://moneyandinvesting.com.....au/blog/how-to-separ

There is a vast array of different ways people analyse stocks before making a trade decision. Some that spring to mind are charting, valuation and ESG scores as they become more important. Join us in this episode as we put Qantas through the mincer and see what comes out the other side.

https://moneyandinvesting.com.....au/blog/stock-analys

The guide to life planning with a dynamic financial plan - Money and Investing with Andrew Baxter


https://moneyandinvesting.com.....au/blog/dynamics-of-


The accumulation stage in your wealth journey begins as you are starting your career. For some that is straight out of school or trade school and for others that may be university. As you are getting started a common debt people have is their HECS debt if they went down the uni pathway. HECS however, is not necessarily bad debt as it does not incur any interest, however it can increase with inflation. Host Andrew Baxter notes that a common step in the accumulation is also younger people looking to buy their first property. It can seem daunting and out of reach because the required deposits are fairly large and it takes time to save the sort of money. You also need to develop the skill of being able to budget and service debt as needed which is something that can be instilled on an inter-generational basis. Accumulating property has become increasingly expensive and is forecasted to continue to do so. There is no way of escaping this but simply the decision that you will commit to saving as well as you can to bring yourself into a position to buy your first property.


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Rapid Fire Series: Top 5 Property Investment Blunders - Money and Investing with Andrew Baxter


For property buyers, buying off the plan can be a major mistake. You are effectively committing to buying a property that is yet to exist, putting a deposit down prior to construction starting. These are typically in highrise apartments or other apartment developments. Host Andrew Baxter explains that you are locking in a buy price down the line without any certainty of what it will be worth. If the value of the property increases from when you buy it, developers can often wriggle out of the contracts and look to sell them for more, slighting you out of a good deal. If the opposite happens however, and the value of the property decreases you will be stuck paying the initially agreed upon price and straight away have an asset worth less than what you paid for it. The added costs associated with the agency selling the properties then has to be added to the cost and by that point it is very difficult to really be getting value on the property for yourself when things do go well.



https://moneyandinvesting.com.....au/blog/top-5-proper


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