Higher returns don’t matter for the short term: They need time to work their magic. There’s more than one reason behind the old investment message that goes like this: If you need your money in just a few years invest your savings conservatively, but if you have a longer horizon take more risk.
Q&As: Couple “retiring” in their 30s wonder how to invest their savings; 94-year-old share trader doing just fine; How to run a caravan rental business.
How to cope with the topsy turvy share market. The value of worldwide shares in a certain industry grew more than 52 per cent in the year ending last October. Why didn’t we hear more about it? A clue might lie in the fact that the industry was information technology — infamous for its volatility.
Scattering the seeds: By diversifying, you reduce risk but not returns. Also in this issue: From the Mailbox — Some people over-save for retirement.
3rd big question: When? — How should you time your investing? Also in this issue: From the Mailbox — Where to invest while saving for a car.
‘His & Hers’ investment styles: How gender affects the way we invest. Also in this issue: From the Mailbox — Borrowing to invest, eg in a rental property.
Life, limbs and livelihood: How much life, disability and income protection insurance do you need? Also in this issue: Great Debate — Australian v international shares.
First things first: How much should you invest in bonds, shares, property and so on? Also in this issue: Great Debate: NZ v international shares.
Emotions and investing: The way we feel affects our investing in ways we are not aware of. Also in this issue: Great Debate — Term deposits v corporate bonds.
Lessons from past mislead: Investing in what did well last year, or selling what did badly, usually does more harm than good. Also in this issue: Great Debate — Low v high insurance excesses.