What two investing insights would you give your 20-year-old self?

Hamish Douglass, Magellan Asset Management Hamish Douglass My central advice would be that successful investing is about finding and then owning for the long-term companies that can generate excess returns for years to come. It’s not about looking for stocks that might come into short-term favour on stock markets. The worthwhile companies to own for…

Pay off the mortgage or get super tax breaks? Which option makes you a richer retiree?

You are in your mid-50s and on the career home stretch. You’re at, or are approaching peak earning capacity, the kids have finished school, are working and independent, and now’s the time to really focus on setting yourself up for retirement. Prime suspect: the mortgage. That is a natural and very visible target. It’s staring…

Which kind of before-tax contributions to superannuation should you make?

by Louise Biti  15 March 2018  Australian Financial Review Arranging salary sacrifice with an employer has been an effective way for employees to save for retirement. But not every employer allows it and flaws in legislation have caused problems with the implementation. Since July 1, 2017, everyone eligible to contribute to super (those under the age of 65…