Financial Intelligence for Achievement of Financial Freedom.   Global Interest Rates: The yield on the US 10-year Treasury bond remains near 5%, reflecting investor caution ahead of next week’s Federal Reserve policy meeting. Markets are pricing in an approximately 90% probability that the Fed will leave interest rates unchanged, but the odds of a 25-basis-point […]

For many people, their retirement fund will eventually become one of the largest investments they own, yet because the money is deducted from your salary before you ever see it, it is easy to think of it as something that can simply be left to look after itself. The reality is that it deserves more […]

Good financial habits are rarely built through one dramatic decision, but rather the result of small choices that are repeated often enough to become almost automatic. Financial advisers tend to see the consequences when those habits are missing, which is why much of their advice is less about finding the perfect investment or making a […]

A budget is often treated as a financial punishment because many believe it is a list of things you are no longer allowed to spend money on and that is probably why so many budgets last about as long as a New Year’s resolution. A useful budget is not really about cutting everything back ,but […]

The bond market rarely gets the same attention as the share market, yet the bond market is one of the clearest windows into what investors think is happening in an economy, and it has a much more direct bearing on our finances than many people realise. In this week’s article we will look at how […]

One of the most common questions facing young professionals is whether they should focus on paying off debt before they start investing, and unfortunately the answer is not as simple as choosing one over the other. Debt and investments operate on opposite sides of the financial equation, where debt creates a contractual cost that you […]

For a young investor, one of the first decisions to make is not simply which investment to buy, but what type of investment structure makes the most sense. ETFs, unit trusts and individual shares all play a role in a long-term portfolio, but they work in very different ways and involve different levels of risk, […]

One of the most common misconceptions about building healthy financial habits is that it requires sacrificing the lifestyle you enjoy. Many young adults believe that saving money means declining every dinner invitation, skipping weekends away and avoiding social events altogether. While reducing unnecessary spending is an important part of financial planning, a sustainable approach to […]

For many first-time investors, the hardest part is not deciding to invest, but rather knowing where to begin. The sheer volume of financial information available today makes it easy to become overwhelmed, while social media, online investment forums and constant market commentary often encourage short-term thinking rather than sound investment principles. Successful investing is rarely […]

When investing, fees are one of the most discussed and often misunderstood aspects of an investment fund. Many investors naturally focus on fees because they have a direct impact on the amount of money that remains invested and compounds over time. A difference of even a small percentage in annual fees can have a meaningful […]