If you’re new here, you may want to subscribe to my RSS feed. Thanks for visiting!Q. Husband and self over 50.sold home have $50,000 leftover. We have $250,00 new mortgage with $30,000 in offset acct.
We’re currently spending offset money improving house to use for selling when retire. have no superannuation (self employed).
We have no [...]
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Q. I am 40 years old with 1 child in college 16 yrs old. I have $100,000 after selling my house. I work 4 days per week and earn 616.00 gross should I buy back into the market or am I better of to invest my money and rent.
Josie’s answer: Good question and would love [...]
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Q. I have $17,100 in first state super I’m retired on a carers pension and am 54yrs old, I wish to invest $20,000 I don’t know if I should go with our bank in a term deposit at 8.1% or put it into my super?
Josie’s answer: Assuming you are not working and your sole income [...]
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Q. What is the secret to successful investing in the share market?
Josie’s Answer - Good question. Investing in quality assets is imperative, but there is an old saying that TIME, NOT TIMING the market is the key and I tend to agree with this.
Determining the right time to buy and sell requires as much [...]
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Q. My financial planner has suggested I take out a margin loan to buy into Australian shares via a managed fund. Is this is a good idea?
Josie’s answer: Margin lending is not for everyone, you need to be a savvy investor and happy to take risks.
Before committing yourself to a margin loan, make sure [...]
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Q. I’ve heard of people who have a margin loan being asked to top up their geared investment at a moments notice. Sounds risky?
Josie’s answer: If your investment loses money, not only is the loss magnified as well, but you still have to pay back the loan. With a margin loan, your lender will ask [...]
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Q. How safe is a bridging loan? I have found a property that I would to purchase. I have two other properties that I have on the market now. With the way interest rates are at the moment are bridging loans taboo?
Josie’s Answer: Personally I would not feel comfortable with a bridging loan regardless of [...]
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Q. My adviser has recommended that I invest some of my money overseas. It sounds a bit risky?
Josie’s Answer - The main reason why you would allocate some of your funds, overseas is for diversification.
For your info, the Australian sharemarket represents around 2.3% of the world’s total sharemarkets, which means that nearly 98% of [...]
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One day it’s up and the next it’s down. In recent times the share market has experienced a lot of volatility which leads to some very nervous investors. There are a number of reasons why volatility seems to be prevalent. Technology, for one, has advanced enormously. At the push of a button investors can now [...]
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The volatility of the Share Markets has been well documented recently with millions of investors all over the world feeling the effects. One of the question’s we get a lot on our national radio show “Money Matters” is “The Share market has dropped, we’re losing money, should we sell?”
This weeks Ask Josie Kay Podcast is [...]
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