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Investing

How ethical funds can help de-risk your portfolio

ESG, Insights, Investing, News, Super
Ethical investing was once considered a fringe area within financial markets. But now, investors are starting to understand this approach can help de-risk a portfolio and generate sustainable returns over time. Let’s take a look at the rationale behind ethical investing and one new option for investors to achieve a cost-effective, ethical allocation to the…

7 steps to take control of your money in the new year

Budget, Investing, Super
The new year is an ideal time to create positive change in your life. For many, this includes getting on top of their money and improving their financial position. It’s a busy time for us at Financial Spectrum as we see a lot of people who feel that they can be “doing better” and want…

Cryptocurrency and Australian tax: What you need to know

Insights, Investing, News, Tax
In the past, the cryptocurrency market has been a bit like the wild west, with plenty of hacking, scammers and thieves trying to convince people to part with their money.  As cryptocurrency is becoming more mainstream, regulations are forming around the asset class and authorities are warning that they’re catching up with the digital world. As…

Is your money mindset holding you back?

Budget, Investing, News, Savings
There are five common negative money mindsets that continually creep into your subconscious, holding you back from true financial freedom. In this article we unearth these beliefs to help you gain awareness and shift them. 1. Fear of failure Earning and spending from your job is safe. It’s easy. It keeps you in your comfort…

7 ways to help your children buy a home

Budget, Investing, News, Savings
All parents want the best for their children.  As the cost of property continues to rise faster than wages, it’s not easy for the younger generation to get a foot on the property ladder. It’s natural to want to help your children buy a home, but you’ve worked hard for your money and it has to…

10 factors self-made millionaires have in common

Investing, News
We’ve always thought that self-made millionaires were a unique breed.  But now science can prove it thanks to researchers who’ve discovered commonalities to the thousands of self-made millionaires they studied.  Wondering what it takes to build an empire? Read on to find out the factors self-made millionaires have in common – the results might surprise you.…

What should you do with a financial windfall?

Investing, News
We’ve all thought about what we’d do with a financial windfall. It’s usually around winning the lotto, or perhaps investing into the next Netflix. But a financial windfall is really any amount of money that you receive that isn’t part of your normal day-to-day budget. Examples of financial windfalls may be a redundancy payout, an…

4 ways to make money while you sleep

ETF's, Investing, News, Savings, Super
The idea of your money working for you with minimal input is touted by tech-entrepreneurs and millennials as the holy grail of modern financial freedom. But is it really possible to make money doing nothing?  The short answer: yes. Here we share four ways to make money while you sleep. 1. ETFs For a low cost,…

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