When Australians think about growing wealth through investing, the focus is often on picking the right asset class, the best-performing fund, or timing the market. However, some of the most significant contributors to long-term performance are less visible — and often overlooked. Three critical factors can have a compounding impact on your financial future: fees, investor behaviour, and taxes .  🏷️ 1. Fees: Small Numbers, Big Impact   Every dollar you pay in fees is a dollar

Humans are built for survival, not investing. The instincts that once kept our ancestors safe—like following the crowd or avoiding loss at all costs—can actually work against us when building wealth.  That’s why many investors fall into what’s known as the behaviour gap : buying when prices are already high and selling when they’ve fallen. Instead of capturing long-term gains, they end up locking in losses.  Common Biases to Watch Out For   Loss aversion – losses feel worse

Making extra contributions into super can go a long way. Here are some simple steps.   Each year, October 31 is designated as World Savings Day.  In fact, this year marks the 101st anniversary of the official launch of World Savings Day at the 1924 International Savings Bank Congress held in Milan, Italy.  It was a great idea then and still is. The simple purpose is to highlight the importance of having a savings strategy, to put some extra money aside into a bank account or

By Stu Varidel, Heart Financial Advisers   The Retirement Challenge   Australians are retiring with more super than ever before. But many...

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Being penny-pinching gets me notoriously inspired… or what I call pennywise . And my main motivation is getting way more for less.   Here...

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When it comes to money matters such as wealth and debt, it's always interesting to see how we're tracking compared to our peers....