Timing the Stock Market: How to Get the Best Returns
There’s an old Chinese proverb, ‘the best time to plant a tree was 20 years ago. The best time is now’. Investing is no different, here’s why. When Is the
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Market Corrections: When Stock Prices Are Wrong
We’ve all heard of market crashes, and we’ve likely heard of bull and bear markets but what is a market correction and how should you handle it? What is a
What is the Rule of 72?
If you understand how compound interest works, you know that earning 10% per year will double your money in less than 10 years, but how long will it take? With
What Is a Sinking Fund?
You’re no doubt aware of what an emergency fund is. You may not be as aware of what a sinking fund is. A sinking fund is just as important as
Surviving a Bear Market: Investments for the Bear Market
Bear markets are a scary time for all involved. Stock prices are tanking, and both unemployment and uncertainty are likely on the rise. The good news is, downturns are the
Bull vs Bear Market: Investing in Good and Bad Times
If you’ve ever heard someone talking about bull or bear markets and wondered what the hell they were talking about you’re not alone. These are common terms in the world
Emergency Fund: Why You Need Fuck You Money
An emergency fund goes by many names, reserve fund, stockpile, savings, fuck you money and many others, but they’re all the same. It’s a collection of money that you keep
Investing for Beginners: What is investing and How do I start?
Goods news, if you’re employed full time in Australia, you are already an investor. Each pay your employer automatically sends 9.5% (this will increase) of your salary to your superannuation
What is the Endowment Effect?
The endowment effect is an emotional bias that causes people to value something they own higher than they otherwise would. Much like other behavioural biases people often don’t even realise
What is a Sunk Cost?
A sunk cost is money that was previously spent and cannot be recovered. It is proper practice to exclude all sunk costs from future calculations and decisions as the cost
Limit Down: When Stocks Need a Circuit Breaker
What is Limit Down? Limit downs are the maximum allowable drop in an asset or market for one day. At the time of writing this, 9 pm AEST March 16th
What is Compound Interest?
Compound interest refers to interest on your initial investment as well as interest on your interest. Einstein calls it the 8th wonder of the world, and it will play a
What is the Time Value of money?
The time value of money is the idea that a dollar today is worth more than a dollar tomorrow. Understanding the Time Value of Money The concept of the time
What is Real Estate Investing?
What is Real Estate? There are many forms of real estate investing each with different levels, and types of risk, the most common of which is purchasing a house with
What is Index Fund Investing?
What Are Index Funds? Index Funds were created in the mid-1970s by the now legendary, Jack Bogle. It was his belief that many professional investors were not achieving a market
What is Stock Investing?
What Are Stocks? Stocks or Shares were once upon a time a piece of paper which proved your ownership of a company. These days all shares are traded online (some
Methods to Tackle Your Debt Head-On
At some point in our lives, we all have a tough time financially. If you’ve experienced this, you’re probably currently wondering ‘how do I get out of debt?’. Below we
Your Guide to Inflation
What is inflation? Inflation is the increase in the cost of living, and the most common measure of inflation is the Consumer Price Index (CPI). If you’re new to the
Understanding Your HECS-HELP Debt
What is HECS-HELP? HECS or HECS-HELP is a program offered by the Australian Government allowing local students to attend university at no upfront cost. Compulsory repayment will begin once you
Investing In A Vanguard Fund
What Is Vanguard? Whether you’ve been in the business for 20 years or you’re a first-time investor you’ve likely heard of the Vanguard Group but who are Vanguard? What is
What Is A Credit Score?
Banks use it to determine if you are eligible for a credit card or loan as well as what rate they will offer and a landlord may use it to