ID Advice Financial Insights
These are a collection of articles created to help further your understanding of financial topics that can sometimes seem complex.
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As at the time of writing, share markets have largely recovered from the volatility that began in February...
Dollar cost averaging (DCA) is one of the most common investment strategies for everyday investors. It...
The investment story of 2025 may already belong to private credit. You’ve probably heard about it –...
There’s been a recent surge in fintechs offering fixed-interest investments to retail investors. This...
This article outlines the history of product-based financial advice in Australia and how the industry...
How often have you read that 7 years is considered a “long-term” investment timeframe? Here’s a typical...
Experiencing a peak in interest a few years ago due to a certain book written by a particular shoeless...
Total and permanent disability (TPD) insurance provides a lump sum if you suffer a serious illness or...
Many parents want to set up an investment portfolio for their young children, something they can gradually...
An often-misunderstood strategy, the First Home Super Saver Scheme (FHSSS) allows a first home buyer...
At the time of writing, share markets are experiencing significant volatility, swinging both up and down....
Debt recycling continues to gain popularity within the personal finance space, but so too do the risks...
This article continues our series on retirement drawdown strategies, the risks involved, and how to manage...
We have previously written about debt recycling and family trusts both of which can improve investment...
Emerging markets as an asset class have fallen out of favour over the past decade, primarily due to poor...
Many people establish an SMSF solely to purchase direct property, often borrowing from a bank to complete...
This article builds on a previous piece about sequencing risk and how it can negatively impact retirement...
This article builds on a previous critique of ongoing advice fees.
As of this writing, only three known...
This article will be deeply unpopular amongst financial advisers. For those advisers reading this, please...
Self-Managed Super Funds (SMSFs) are a popular choice for investing in property, thanks to their lower...
Financial Independence Retire Early (FIRE) is a growing movement that challenges the conventional idea...
Nobel Prize-winning economist Bill Sharpe famously described the decumulation of assets in retirement...
There is significant debate about when a Self-Managed Super Fund (SMSF) becomes cost-effective compared...
Diversification is known as the cornerstone of successful investing. The logic is straightforward: by...
The growing concentration of index funds into the largest companies has drawn increasing criticism, particularly...
“Shares perform at around 8 – 10% per annum over the long-term”
While broadly accurate, and perhaps...
Industry super funds manage the majority of Australians’ retirement savings. With low fees and...
The performance of actively managed equity funds has consistently failed to lure investors away from...
While both options reduce the interest on your loan, the similarities stop there. Offset accounts and...
According to data from State Street, separately managed accounts (SMAs) are now used by the majority...
Depreciation schedules are a key marketing tool for property developers, often highlighted to attract...
A wrap platform is the financial adviser’s most utilised tool. It allows them to build portfolios for...
A family trust can be a powerful tool for managing and protecting your family’s assets, but it’s important...
It’s generally well known that Australia doesn’t levy any form of tax on inherited estates. It is one...
It’s rare for a first home to become your forever home, especially in today’s property market. Most buyers...
Funds management is undeniably lucrative. A 1% fee on billions of dollars in assets quickly adds up,...
This article explores an apparent paradox between the underlying motivations for investing in Bitcoin...
The superannuation of most Australians sits within an industry fund. There are numerous benefits to this;...
Investment bonds remain a relatively niche product for Australian investors. However, this is not due...
This article is an introduction to the concepts of index and active investing and how they differ. This...
Debt recycling as a strategy is experiencing a vogue. One cannot spend a day on an Australian finance...
This article is a follow-up to a previously published piece about insurance commissions being paid to...
It’s widely understood that to achieve higher returns, you must be willing to accept higher levels...
Default insurance coverage in industry super funds is very common, with many Australians using this as...
When starting your investing journey, you are automatically presented with a choice. It’s a choice that...
Self-Managed Super Funds (SMSFs) are an appealing option for many Australians seeking greater control...
A famous quote from Albert Einstein often parroted by the finance industry goes: “Compound interest is...
The world of estate planning can be incredibly complex, doubly so considering the deep emotions involved...
You’ve probably come across the term ‘hedging’ when choosing your investments either personally or within...
To understand what a retirement bonus is, you must first understand how the average super fund is structured....
Dividends are often touted as the way to make passive income with a share portfolio. After all, dividends...
A quote along the lines of:
“Don’t worry about the insurance commission on your quote; it’s not a cost...
