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Crowd-Sourced Equity Funding – A New Way to Invest

Recently, the Australian Government legislated a new way for the average Australian investor to support start-ups and small businesses: Crowd-Sourced Equity Funding (CSEF/CSF). Prior to this, if you wanted to invest in a company, you found a broker, paid a fee, then bought shares. What if you wanted to help a business grow, yet they weren’t listed? You’re no angel investor, swooping in and supplying millions of dollars in funding (if you are, welcome… but I’m not sure what value you’ll derive from this blog!) The Government passed legislation to enable this form of investment on 29th September 2017, but it’s only from January 11th 2018 that ASIC approved a ... Show Me More!

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Begin To Invest 4 – Asset Allocation

Assets. The fun part of the net worth equation, indicating what you own. Net Worth = Assets (yay!) – Debts (boo!) When it comes to investing, deciding which assets to buy has an impact on the “safety” and performance of your portfolio. No single type of asset is guaranteed to be safe—even cash under the mattress could be stolen. However, some assets are less risky (cash in the bank) than others (hello Bitcoin!). As discussed previously, there is generally a link between risk and reward. The higher the risk, the higher the return. Choosing which assets to buy, in what combination, can help you to manage risk and hopefully maximise ... Show Me More!

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Acorns Goes Green – Farewell, Exxon, and Thanks for all the Dead Fish

They say that the best time to start investing is yesterday (or even better, when you are a wee sproglet, earning your first pocket-money). The second best time is now. Yet, you don’t want to go throwing your money at something you don’t understand. In 2016, we were at the beginning of discovering the world of Financial Independence Retire Early (FIRE). I was reading as many blogs as I could get my eyeballs on. I learned that the best way to reach FIRE was by investing, either in property or shares. We couldn’t just jump right in, though. While we were lucky that we didn’t have any debt, we did ... Show Me More!

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Begin To Invest 3 – Your Risk Profile

In 2015, I happened across the Financial Independence Retire Early (FIRE) movement. I wasn’t actively looking for direction in our financial life, but I had been living with a vague discomfort that we could be doing more. FIRE galvanised me to once again take control of our money. In 2016 we tracked spending, and saved an emergency fund. The next step was beginning to invest – but how? The idea of investing was scary. There are so many options, traps and pitfalls for the unwary that I wanted to be fully prepared before we started. This series of posts is about the resources we used, and the steps we took ... Show Me More!

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Begin to Invest 2 – Risk, Volatility and Timescale

In 2015, I happened across the Financial Independence Retire Early (FIRE) movement. I wasn’t actively looking for direction in our financial life, but I had been living with a vague discomfort that we could be doing more. FIRE galvanised me to once again take control of our money. In 2016 we tracked spending, and saved an emergency fund. The next step was beginning to invest – but how? The idea of investing was scary. There are so many options, traps and pitfalls for the unwary that I wanted to be fully prepared before we started. This series of posts is about the resources we used, and the steps we took ... Show Me More!