With rates close to 0%, why bother with fixed income?

According to a report in Bloomberg recently, while Vanguard data show a portfolio with 60 equities/fixed income mix returned an average 9.1% a year from 1926 to 2020, JP Morgan Asset Management recently estimated it will return just 3.7% over the next decade. Why? In a world where 85% of developed-market government bonds are yielding … Read more

How to transition to retirement

As you get closer to retirement, you’ll start to wind down and want to work less without compromising your lifestyle. That’s where a Transition to Retirement Pension (TRP) could work for you. It could help you through the next stage of life when you’re not quite ready to give up working yet. Work less for … Read more

Pet insurance

Insurance can help cover costs if your pet gets sick or hurt. Make sure you know it will cover your pet’s needs and the full costs before you take out a policy. Types of pet insurance The different types of pet insurance and how they work. Accident-only insurance Covers vet costs if your pet is … Read more

Retirement can be risky business

By Robin Bowerman, Head of Corporate Affairs, Vanguard Australia Anyone with a healthy superannuation balance heading into retirement in February 2020 would have felt relatively confident that they were both mentally and financially ready for the next chapter in life. But fast forward a few weeks and that confidence might have been shaken somewhat as … Read more

Rental yields – what you need to know

Rental yield – essentially the rate of rental income returned against the costs of an investment property is a great indicator of a property’s investment potential. But you need to keep things in perspective when you factor it into your decision to purchase property. Calculating rental yield  A good first step in examining rental yield’s … Read more