Lauren Hua

5 Habits of a Successful Investor

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Successful investors have not all been born into wealth. Many have developed into successful investors by implementing effective habits in their lives. Many high net worth individuals did not become wealthy overnight.  They have been planning their financial future and strategizing ways to achieve their financial goals. So, the question is, what are the successfully habits of a successful investor? Here are the tip 5 habits which successful investors use to achieve financial success. 1.They have a diversification strategy Diversification …

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How to get good yield without franking

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Share investors at the moment can receive cash refunds if their franking credits exceed their tax payable. The Australian Labor Party (ALP) wants to eliminated these tax refunds if they are elected to federal government next year. The dividend imputation system was introduced to avoid double taxation where the company already pays 30 percent tax on income. Tax payers who pay little tax will be most affected by this change. Self-managed Super Funds are currently exempt from tax when they …

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Investing for income? You are doing it all wrong

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Many share investors are looking for yield. They need dividends to live off. However, many income investors are left frustrated by their share portfolios. Why? Because most investors looking for dividends go straight to the same sorts of stocks, Banks, Telstra, Wesfarmers, etc. Whilst they pay a great yield today, nothing much changes over time. However if you are in it for the long term, there are other ways to generate dividends in the future. Growth shares have typically been …

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Strategies for Retirees in Low Interest Rates Environments

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Retirees face some tough choices when investing in low interest rate environments. Self-funded retirees use their savings to fund their living expenses and therefore cannot afford to invest a great deal in riskier assets. There is the risk that they lose capital and then do not have the time horizon to sit and wait for the investments to recover. Hence retirees are looking for investments which generate income but offer lower levels of risk. Buying Bank Shares Banks shares are …

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The economic effects of a falling oil price

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Brent crude oil was trading US$75.95 a barrel on the 30 October 2018 but within a month it had fallen to under US$60. The political tensions between the United States, Iran, and Russia threatened the supply of oil, causing a spike in the price. However, when the US issued sanction waivers for eight countries importing oil then the market turned bearish on the commodity on fears of oversupply. A drop the oil price can be felt by motorist by a …

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