 | Welcome to this week's edition of Smart Investing.
The Reserve Bank held off on announcing another interest rate increase on 4 April. That's because it wants to wait and see whether its 10 rate rises since May last year have worked to bring inflation under control. That's good news for many, but there's still more than 1.3 million Australians who are yet to feel the mortgage rate pinch. Fixed-rate home loans remain a key issue for both our economic outlook and ongoing financial stability. Read our lead article.
If you are a member of a self-managed superannuation fund you want to make sure that your trust deed is structured to fulfill your wishes, especially if you become incapacitated or die. We detail some of the succession issues SMSF members could face, especially around binding death benefit nominations.
Lastly, we outline why you need a financial plan and the key ingredients for creating one that's built to last for the long term, through the ups and downs of investment markets.
Our mission at Vanguard is to take a stand for all investors, to treat them fairly, and to give them the best chance of investment success. | | | | | The looming fixed-rate cliff | | The Reserve Bank has expressed concerns over how some borrowers on low fixed-rate mortgages will cope once their loan expires. | | Read article | | | | | | | The importance of SMSF succession planning | | Preparing for loss of capacity or death is vital for SMSF members. It's important to ensure your trust deed is watertight. | | Read article | | | | | | | How to create an investment plan | | A well-thought-out investment plan protects investors from falling into some common behavioural traps. | | Read article | | | | | | | Counting the cost of timing the market | | Three years on from the COVID crash, we show what the financial cost could have been from selling out of the share market in 2020. | | Read article | | | | | | | Investing on the share market: Passive or active? | | Index funds continue to outperform most, but not all, active managers over time. Here's a way both could be used in a portfolio. | | Read article | | | | Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging.
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