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Emergency funds

Having an adequate emergency fund means you are less likely to go into debt when disaster strikes.

 

Our guide includes:

✅ step by step instructions to determine how much money you need

✅ where to put that money

and some bonus tips & tricks 😏

and you can use it as a budgeting tool 😏😏

 

You could spend hours searching for information, or you know, just get started.

No one regrets having an emergency fund.


Superannuation

Did you know that some superannuation comparison websites receive fees for referring you to certain companies and products, and others sell their ‘awards’ or ‘ratings’ for advertising purposes? 🤷🏻‍♀️

So we went straight to the source and looked at the Product Disclosure Statements (available on the fund’s website) and the statistics from APRA, the government regulator (here if you’re interested).

The Productivity Commission’s report on superannuation states “a ‘no frills’ product with low fees that is allocated to a balanced (or balanced growth) portfolio is likely to meet the retirement needs of most Australians during the accumulation phase.” The accumulation phase is their term for anyone who’s still accumulating super, aka anyone still working.

 

💡How fortunate because that’s what we’ve looked at 😏💡Yes, we’ll tell you  what we’ve seen to be the best performers with lowest fees.

 

You could spend hours searching for information, or you know, just get started.

Remember 9.5% of your salary is going there 💸💸💸


DIY investment

The common arguments against DIY are that it’s time consuming, and that it’s hard.

So we’ve put together a guide that shows you what it would look like to DIY invest with minimal effort.

 

Investing in a passive diversified portfolio, we’ll show you how.

👍 Takes less than < 15 minutes, and

👍 Earns comparable, if not better results than using Raiz / Acorns 😯‼

See something you want? Or want to talk about something specific? Email us at hello@alpacacap.com


Recommendations

Making money

Investing books

If you are interested in active investing, you might as well learn from the best right? 😉

Benjamin Graham is the father of value investing, the idea of buying and holding undervalued stocks. If you fancy active investing, this is a good place to learn.

 

The most successful investor to date. Warren Buffet’s letters are full of humour and insight.

Easier to digest than The Intelligent Investor.

 


Why passive investing works. For those who want justification that you can get good results with minimal effort, here it is.

 

 

 

Spending money

Fashion

Create a streamlined closet with fewer, better pieces.