When people think about investment risk, it’s usually the immediate and dramatic kind — red numbers flashing across screens, alarming headlines, and sudden drops in portfolio value. It’s understandable. These moments feel urgent and emotional.

But not all risks are created equal. In fact, the greatest risk to long-term investors often isn’t the one grabbing the headlines. To invest with confidence, it’s important to understand the difference between volatility, permanent capital loss, and sequencing risk.

Equity market drawdowns are an inherent part of investing in stocks. These temporary declines in the value of stock indices can be disconcerting, but they are a natural and common occurrence in finance. Understanding what drawdowns are, their causes, and how to navigate them is essential for any investor looking to succeed in the equity market.

Investing is often seen as a rational, numbers-driven exercise, but in reality, emotions play a significant role in decision-making. Fear, greed, overconfidence, and herd mentality can all lead to choices that undermine long-term returns. As advisers, we see firsthand how psychological biases can cause investors to deviate from their strategy—especially during periods of political or economic uncertainty.

Providing for the education of your children or grandchildren is one of the most meaningful financial gifts you can offer. In Australia, education costs continue to rise, particularly when factoring in private schooling, extracurricular activities, uniforms, and technology. For example, the cost of educating a child born today at a private school is likely to exceed $200,000 for primary and secondary education. In some instances, the total cost can climb significantly higher, reaching several hundred thousand dollars beyond this estimate.

We continuously strive to provide insightful investment strategies that strengthen portfolio resilience and leverage opportunities in global markets. Thanks to their distinctive characteristics and timely appeal, UK equities have become a key area of interest. Below, we unpack what makes the UK equity market unique, and why it stands out among global peers.

As parents or grandparents, you have a unique opportunity to set up a secure financial future for your children or grandchildren. Investing for them can provide a substantial head start, whether it’s for education, property, or simply helping them navigate adult life. However, with numerous investment options and Australian tax laws to consider, it’s essential to make informed decisions that align with your goals and the financial well-being of your loved ones.

With the Reserve Bank of Australia (RBA) signalling potential interest rate reductions over the coming years, investors reliant on term deposits and cash for income face a challenging environment. As banks typically offer a margin above the RBA cash rate to attract deposits, a projected 1% decline in rates over the next 12 months means lower yields for income-seeking investors. In this climate, reinvestment risk—the challenge of reinvesting funds at lower rates—becomes a significant concern, particularly for those depending on fixed-income investments for regular cash flow.

Infrastructure is a unique and increasingly popular asset class that offers investors the potential for stable, long-term returns. With its growing significance in global investment portfolios, understanding the intricacies of infrastructure investments is essential for anyone looking to diversify their portfolio or seek opportunities in this sector.

Investing is often thought of as a rational activity, driven by analysis, data, and sound financial principles. However, human behaviour introduces a layer of complexity that can significantly impact investment decisions. This intersection of psychology and finance is known as behavioural finance. Understanding behavioural finance can help investors recognise and mitigate biases, ultimately leading to more informed and effective investment strategies.

Investing in the stock market can be approached in many ways, with two of the most popular strategies being value investing and growth investing. Each strategy has its unique characteristics, advantages, and potential risks. Understanding the differences between value and growth investing can help investors make informed decisions that align with their financial goals and risk tolerance.

The Australian equities market is a vibrant and dynamic arena, reflecting the country's diverse and resource-rich economy. For investors, understanding the key sectors and leading companies within the ASX (Australian Securities Exchange) is crucial for making informed investment decisions.

Investing in emerging markets can be a compelling opportunity for investors looking to diversify their portfolios and tap into high-growth potential. Emerging markets refer to countries experiencing rapid growth and industrialisation. These markets offer unique opportunities and challenges that can differ from those in developed markets.

In the evolving landscape of investment, the strategies investors employ to manage their portfolios have undergone significant transformations. The traditional investment portfolio, often characterised by a straightforward mix of domestic equities, fixed income, and cash, has been superseded by more sophisticated approaches that seek to optimise returns and minimise risk.

An index is a statistical measure that represents the performance of a group of stocks, indicating the overall direction of a stock market or a sector within it. The Australian Securities Exchange (ASX) 200 and the Standard & Poor’s (S&P) 500 indices serve as barometers for the Australian and US stock markets, respectively. While both indexes are benchmarks for large-cap equity performance in their respective countries, their differing compositions drive distinct characteristics and performance metrics.