Index funds v actively managed funds

Active funds have higher fees, so they need to consistently outperform the market to earn their keep.

For a combination of reasons, index-following managed and exchange traded funds have become increasingly popular with both individual and institutional investors.

Lower returns ahead for investors

Investment returns will grow more slowly than during the post-GFC recovery.

So far, financial year superannuation fund returns have been good with the prospect of double digit returns if world share markets don't tank in June.

The one thing most investors get wrong

Remember: An investment's tax benefits are the cream on the cake.

There is anecdotal evidence that regulatory measures and budget proposals are having an effect on the housing market, which is a sad reflection on the mentality of the average property investor.