Lauren Hua, Author at Fairmont Equities

How Interest Rate Rises Affect the Average Person

October 1, 2026 by Lauren Hua

Interest rate rises affect ordinary people because they change the cost of borrowing money and the reward for saving money. When a central bank raises its interest rate, the effects can spread throughout the economy, influencing mortgages, rents, savings, spending, employment, house prices and even government finances. The impact is not the same for everyone. A person with a large mortgage can be affected very differently from someone with substantial savings. However, for many households, especially those carrying significant debt, …

Reasons People Hold On to a Stock for Too Long

September 17, 2026 by Lauren Hua

Holding a stock for a long time isn’t automatically a mistake. Long-term investing often requires tolerating volatility and uncertainty. The problem occurs when someone continues holding because they can’t bring themselves to sell, rather than because the investment still makes sense. Here are the main reasons that happens. They Don’t Want to Admit They Were Wrong This is probably one of the biggest reasons. An investor buys a stock because they believe their analysis is correct. When the stock falls, …

Why shares are now a better investment than property

September 10, 2026 by Lauren Hua

If you are deciding today in Australia between buying an investment property and investing in shares, the 2026 tax changes make shares more attractive for most new investors, particularly if the alternative is an established investment property. The tax advantage that historically made negatively geared established property particularly attractive is being reduced. The important point is that the changes are not simply “property taxes are going up while shares are untouched”. The major change is that from 1 July 2027, …

Why Entry Price Still Matters, Even for Long-Term Holds

September 3, 2026 by Lauren Hua

A common claim among investors is that entry price becomes irrelevant if a stock is held for ten or twenty years. Over a long enough horizon, the strength of the underlying business does eventually outweigh the price paid. But price still shapes potential returns, downside risk, and an investor’s ability to stay the course during difficult periods. A Great Company Is Not Automatically a Good Investment The most common mistake is conflating a great business with a good investment. Strong …

When is the best time to buy resource stocks?

August 27, 2026 by Lauren Hua

If you’re investing in resource stocks, the best time to buy is usually not when commodity prices are at their strongest and everyone is excited about mining. The better opportunity tends to show up when a commodity has gone through a significant downturn, the market has turned pessimistic, but the underlying companies remain financially strong and the commodity is starting to stabilise. That’s because resource stocks are cyclical by nature. Profits can rise enormously when commodity prices rise, and fall …