| Welcome to this week's edition of Smart Investing.
Higher interest rates are understandably unsettling for borrowers, and a common question is whether extra money should be directed towards paying down outstanding debt or into investments.
In our lead article Vanguard's Senior Personal Finance Writer, Tony Kaye, walks through the key considerations for borrowers in the context of borrowing costs versus the potential long-term investment returns from different asset classes.
Our second article examines the importance of spreading portfolio risk, and how to pass the diversification test. Your asset allocation strategy should always be in tune with your investment goals and your tolerance for taking risk.
Lastly, we have five investing tips for beginners. These basic steps are a roadmap to give investors the best chance of investment success over the long term. | |
 | Debt reckoning: Weighing up extra loan repayments Is it smarter to pay down a mortgage or invest? The answer depends on a range of factors. Read article | |
 | How to pass the diversification test Why you shouldn’t put all your investment eggs in the one basket. Read article | |
 | Five investing tips for beginners Here are five investing tips for those who are just beginning their investment journey. Read article | |
 | Setting up the next generations of retirees With average life expectancies rising, early investment education and financial advice will become increasingly critical. Read article | |
 | Why it makes sense to lock in higher long-term yields The case for bonds remains strong, with bonds typically outperforming cash when rate hikes end. Read article | |
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