For those who do live by themselves or who do not have too many friends outside of work, the office becomes the source of friend and family. Another benefit of Covid-19 is that remote working systems across the world will be strengthened, which means over time more and more workers can work either fully remote or partially remote. There are advantages of remote work. invest in residential property and even to leverage investments e.g. franking credits. They may think that air travel will always happen, so their job is safe. What is surprising from the chart above is is how similar EM bonds are to global equities. Rather than feel that you must invest in or feel attached to one asset, it is best to simply diversify across everything. Whether you strictly follow “age in bonds” or not, the main principle is that as you are nearing retirement you reduce risk in your portfolio. I’d like to end by discussing shares vs property. Money outside of super can earn more than money inside super. In contrast, HVST has languished during the pandemic and continues to go down to this day. only 30%) while the bulk of your investments (the “core”) are in low-cost passive index funds. In my opinion, you should aim to be financially independent as fast as possible, as soon as you leave school or university. However, recently Vanguard has released their suite of four diversified ETFs: Investors now only need to determine how much risk they are willing to tolerate and then allocate money appropriately, e.g. Most people go into debt but don’t think about what they need to do to service that debt and so they end up working for the rest of their lives. Although not essential, I feel it is good to start the day by having a shower, wearing reasonably nice clothes (so you look okay when video-conferencing), and having a coffee. It seems there is more work to do when working from home. However, banks are now starting to understand how similar shares and property are and new products like NAB Equity Builder allow you to borrow at 4.3% which is higher than the interest rate for most property investors (approximately 3.8% as of now) but only slightly higher. Cash in your wallet is as good as gone because there is very little preventing you from spending it at the shops, but money in super is the other end of the extreme, and buying and holding shares or property are in the middle. The chart below demonstrates the underperformance of high dividend paying stocks by comparing an Australian high dividend ETF (black) with the broader Australian equity market (orange). Companies pay 30% corporate tax, but shareholders pay income tax, and given that there is progressive taxation is Australia, shareholders may pay anywhere from zero tax to 45% tax depending on their income. cash refunds from franking credits as well as capital gains discounts and reductions in the top tax rates down to 30%. However, over time, I have borrowed more and more, and I think it is because I have become comfortable with debt. As a result, I have gone to many webinars and feel I have learned a considerable amount about many different topics, from HR all the way to finance, retirement planning, etc. Now suppose you have $1 million in ETFs, which we will assume is $1 million all in VDHG.

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