DIY Investing

DIY Investing covers a large range for products and strategies.  From saving for retirement to investing with leverage to maximise returns.  There are opportunities but also risks so knowledge and understanding is the key and managing your risk in markets that can sometimes be challenging and volatile.

DIY Investing
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The basics of investing

By Wealth Know How in DIY Investing

James Dunn explains the fundamentals of investing in this video and talks about approaches in making your money grow without taking unnecessary risks. Just how much risk you can tolerate and your desired timeframe will more often than not determine the type of investment that is right for you. Choose well and don’t be shy about asking questions and seeking advice.

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Investing in term deposits

By Wealth Know How in DIY Investing

Learn about the definition and benefits of term deposits in this short, easy to understand video which outlines the basics you need to know. As much as it’s important to know about the advantages it’s key to your future decisions making that you have an appreciation of the drawbacks as well. It’s a competitive market out there and we also discuss shopping before committing.

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Investing in bonds

By Wealth Know How in DIY Investing

Just what does it mean to invest in a bond? When is a bond a sound investment and what are the risks? In this video we discuss all this and more to give you an overview of this important part of a diversified investment portfolio. Not all bonds are the same and there are many factors to consider before making a decision

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Portfolio Construction
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Diversification in practice

By Wealth Know How in DIY Investing

This video discusses what Diversification means to you in practice. James Dunn explains the basic building blocks of establishing a diversified portfolio of investments that may include a small or large range of asset classes. There are many approaches to achieving your investment goals and terrific tools to assess your risk profile. The question is what is your appetite for risk?

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How to build a diversified share portfolio

By Wealth Know How in DIY Investing

This video is about building a diversified share portfolio effectively in three key ways. Learn the 1-2-3 of share portfolio construction using easy to understand approaches you may wish to consider for your investment strategy. In addition to these three basic approaches, James Dunn discusses the importance of 'weights' and makes the point that whatever you decide it should not be intended to be a 'set and forget' strategy.

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How to get diversified

By Wealth Know How in DIY Investing

There are many paths that can be taken on the road to building and growing a diversified investment portfolio. Balancing risk, cost and time in achieving your investment diversification requires careful thought and James Dunn provides some terrific insights in helping to achieve your goals.

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Stock Market
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Investing in shares

By Wealth Know How in DIY Investing

Investing in shares makes you part-owner of a business but the expectation is that you will be rewarded by capital gain and dividends. Shares can be a terrific investment but there are always risks you need to be aware of before making a decision. We explore the basics of share investment so that you’re better informed.

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Borrowing to invest

By Wealth Know How in DIY Investing

You can invest in the share market by borrowing money to buy more shares than you might afford. To many this might sound terrifying and they should avoid it but it’s really much the same concept as borrowing to buy a house. Learn what ‘gearing’ means and how both profits and losses are magnified.

Watch Video for Free Now! 01:47
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How to build a diversified share portfolio

By Wealth Know How in DIY Investing

This video is about building a diversified share portfolio effectively in three key ways. Learn the 1-2-3 of share portfolio construction using easy to understand approaches you may wish to consider for your investment strategy. In addition to these three basic approaches, James Dunn discusses the importance of 'weights' and makes the point that whatever you decide it should not be intended to be a 'set and forget' strategy.

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Tax
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Be savvy about tax

By Wealth Know How in DIY Investing

Benjamin Franklin was right: "In this world nothing can be said to be certain, except death and taxes.” That’s certainly true in investment, where any investment has tax implications. First of all in Australia, any income you receive from an investment may be added to your income, and taxed at your marginal tax rate, which is the rate of tax that applies to the income range into which your taxable income falls. Australia currently has four marginal tax rates, or five if you count nil as the tax rate on for low incomes below the tax threshold. So if you have interest from cash or bonds, dividends from shares, or rental income from a property, that is added to your assessable income and taxed at your marginal tax rate. 

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Franking Credits

By Wealth Know How in DIY Investing

Income you receive from share dividends will generally be taxed at your marginal tax rate. Australia also has a system of dividend imputation.  This gives investors who’ve been paid a dividend personal tax credit on the Australian Company Tax already paid by the company.  If the company pays tax overseas there will be no tax credit associated with offshore tax.

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Managing capital gains and losses

By Wealth Know How in DIY Investing

When you sell an investment for more than what you paid for it, you’ve made a capital gain. Unfortunately, that incurs capital gains tax - CGT. CGT is not a separate tax – the net capital gain is added to your income in the year you sold the investment, and taxed at your marginal income tax rate.