Trying to time the market, chasing past winners, and following investment trends can be costly mistakes. Learn how a diversified, long-term approach and expert financial advice can help investors build wealth with greater confidence.
Successful investing is less about predicting markets and more about following a clear, disciplined plan. By defining your goals, understanding your risk profile, maintaining a diversified portfolio, and avoiding emotional decisions, you can stay focused on long-term financial success through changing market conditions.
How often to check your investment portfolio is one of the more consequential decisions a long-term investor makes, and the evidence on the question is now substantial enough to answer it directly.
Uncertainty, often viewed as a threat by investors, can instead be reframed as a vital driver of long-term wealth creation. Just as obstacles can be repositioned as opportunities, the inherent risks in markets are what generate returns, particularly through equities. While short-term volatility may feel unsettling, it is the willingness to accept uncertainty that enables investors to benefit from the equity premium and ultimately grow their savings over time.
Gold is often seen as a defensive asset, but evidence shows its returns have little consistent relationship with economic downturns. While gold sometimes rises during periods of negative growth, high‑quality government bonds have provided similar returns, calling into question the added benefit of holding gold for this purpose.
Back in 1990, investors woke to headlines – “Iraq Invades Kuwait; Oil Prices Soar, Markets Plunge.” For investors at the time, the situation felt dire. Friend of Alman Partners, Ben Brinkerhoff of Consilium, examines past conflicts in the Middle East and their link to investment markets.
Everyone has different financial needs and goals, and therefore, they may invest for different reasons. One major reason is to grow their wealth – for example, in preparation for retirement. Whatever the reason for accumulating money, there’s another concern that creates the need to invest – your money today will likely buy less tomorrow. Join James as he looks at inflation and how it impacts your wealth.
Most Australians are aware that their employers are legally obligated to make contributions to their superannuation on their behalf. Stay up to date with current changes in James’s latest article.
Join us for tips on how to have a stress-free Christmas!
A recent survey showed that Australians are feeling more optimistic about retirement, but there is always more you can do to improve your financial situation for later in life.