Investing Compass

We run through the results of the State of the Australian Investor - an analysis of 7.5 million trades, 90,000 investors' portfolios and a survey of 1,500 investors. You can find the PDF version of the report here , or the article here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past fi...

To celebrate the one year anniversary of Invest Your Way, we answer your questions. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the tools to invest successfully. We’ve always strived to provide independent, thoughtful analysis,...

There is no perfect investment strategy. Every choice comes with trade-offs and understanding them can be just as important as understanding the potential returns. Shani and Mark explore the trade-offs investors face when choosing between income, growth and different investment strategies.  You can find the full article here. Would you like more free insights from Mark, Shani and the rest of...

What happens when a 24-year-old with no investing experience raises billions of dollars, borrows even more and makes concentrated bets on the future of AI? In this episode, Mark and Shani unpack the extraordinary story of Leopold Aschenbrenner and his hedge fund, Situational Awareness.  Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them...

Why do investors sell investments that have gone up while holding onto investments that have fallen? Shani and Mark explore the psychology of loss aversion and how it can lead investors into two very different but equally costly mistakes. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five...

Tax changes can have a big impact on investors, but what happens when the desire to minimise tax starts driving investment decisions? Shani and Mark look at the latest ETF flow data and what it might tell us about how investors are responding to Australia’s recent CGT changes. Record ETF inflows in July included a significant amount flowing into fixed interest and income ETFs - are investors chang...

We compare where Aussies are for traditional measures of wealth like net worth, income, savings rates and debt. Then, we compare it to the measures you should actually pay attention to. You can find the article here. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released...

We run through game theory - and how investors may underappreciate the impact of expectations on investment and market performance. You can find the full article here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the tools to in...

We explore investment bonds - what they are, their tax advantages and the investors they may suit. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the tools to invest successfully. We’ve always strived to provide independent, though...

Use these ratios to understand risk in your portfolio when you're conducting reviews. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the tools to invest successfully. We’ve always strived to provide independent, thoughtful analysis...

We take a look at what you pay for for your ETF, how not-for-profit (such as Industry Super) should not be taken at face value as 'cheapest', and what higher fees actually cost you. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with th...

With new tax changes getting investors interested in income investments and ETFs for tax efficiency, we combine both and talk about income ETFs. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the tools to invest successfully. We’ve...

Are you following the old playbook to changing wealth? The environment has changed, so your assumptions should too. You can find the full article here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the tools to invest successfull...

Gearing has been in the headlines after the latest tax changes. Mark and Shani run through gearing for equity investments - what it is, the ways it is done, how it works and who it is for. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you...

Have you got a plan if your income stopped tomorrow? Shani runs through hers. You can find the full article here . You can find the article for the order to liquidate assets here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the...

Given the new tax changes with capital gains, hurdle rates have changed and the attractiveness of investing vs paying off your mortgage has shifted. We run through how to work out what your hurdle rate is depending on your tax rate and mortgage circumstances. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Sha...

The most popular international equity ETFs in Australia are all starkly different. Which one is right for you and your goals? You can view the full article here. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. A message from Mark and Shani For the past five years, we’ve released a weekly podcast to arm you with the tools to invest su...

Australia does not have an inheritance tax, but you can optimise your situation through your will to minimise overall tax paid. We lean on insights from estate planning expert Abbey John on how to structure efficiently. You can find the full article here. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. Get 50% off your first two mont...

We run through the company, what our analysts think of it, and our valuation. Our coverage on Space X can be found in the 'News & Analysis' section here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. Get 50% off your first two months of PocketSmith’s Foundation or Flourish plans here. A message from Mark and Shani For the past...

We take a closer look at the exposure you’re getting with some of the most popular ETFs in Australia. You can find the full article here. Shani's article on concentration is here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. Get 50% off your first two months of PocketSmith’s Foundation or Flourish plans here. A message from Mark...

Debt recycling at its core, is making your part of your mortgage tax deductible. Debt recycling can be an attractive strategy for those on higher marginal tax rates. Mark and Shani run through how to know whether it is right for you. You can find the full article here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. Get 50% off your...

Higher taxes on capital gains have shifted the relative attractiveness of investments, structures and strategies. We run through how investors should approach this. You can find Mark's article here. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. Get 50% off your first two months of PocketSmith’s Foundation or Flourish plans here. A...

You may be forgetting conditions that meaningfully change how much you need in retirement. Mark and Shani run through some of these conditions that may be applicable to you. You can find the article here. Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. Get 50% off your first two months of PocketSmith’s Foundation or Flourish plans he...

We go through lessons for ASX stocks, ETFs and LICs that have delivered over the past decade. You can find Marks stock article here , and ETF and LIC article here . Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here. Get 50% off your first two months of PocketSmith’s Foundation or Flourish plans here. A message from Mark and Shani For th...

Professional investors operate in a very different environment from individuals. Their careers, compensation, and business objectives are often tied to performance relative to a benchmark. They manage large pools of capital and are supported by teams of analysts, access to sophisticated data, and significant research resources. But those advantages also come with constraints that shape how they in...