Finance

Queenie Tan investing and stock market advice: Finance and money hacks for saving in 2022

Published

3 years ago

May 17, 2022

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Queenie Tan investing and stock market advice: Finance and money hacks for saving in 2022

Finance professional value $500,000 shares the ONE piece of investing recommendation she swears by when the inventory market turns into risky’ and ‘fearful’

Queenie Tan, from Sydney, has an impressive web value of $500,000 at simply 25
On Instagram she shared an fascinating tackle investing in property
If the worth of a house may very well be readily checked, folks would seemingly promote or purchase
This 12 months traders have been promoting shares because of a lower out there
Queenie is a long-term investor whose learnt to keep away from checking her portfolio

By Carina Stathis For Each day Mail Australia

Printed: 22:00 EDT, 16 Could 2022 | Up to date: 22:00 EDT, 16 Could 2022

A younger finance knowledgeable with a powerful web value of $500,000 has urged Australians to cease checking their funding portfolios on daily basis because the market turns into extra ‘risky’.

Queenie Tan, 25, from Sydney, mentioned with inventory market volatility rising, panicked Australian traders have been promoting their shares to keep away from shedding any more cash.

As a long-term investor, Queenie as a substitute avoids checking the each day fluctuations and at all times invests for no less than seven years; she remembers this when the market is ‘fearful’.

She additionally would not verify the efficiency of her inventory market portfolio in any respect and solely invests the cash she will afford to lose.

Finance guru Queenie Tan, from Sydney, (pictured) mentioned if the worth of a property may very well be readily checked, folks would seemingly promote or purchase extra continuously

‘I do not make investments cash that I must reside and I’ve an emergency fund and money saved so I needn’t promote my investments when the market is down,’ she wrote.

‘Think about for those who might verify the value of your property each minute like you possibly can with shares and crypto. Someday you are up $10,000 and one other day you are down $50,000,’ she wrote.

Queenie and her companion Pablo, 30, purchased their first property collectively in 2019 value $500,000 with a $100,000 deposit.

Queenie and her companion Pablo, 30, (pictured, proper) purchased their first property collectively in 2019 value $500,000 with a $100,000 deposit

‘There would most likely be much more folks shopping for and promoting property!’

Why is the inventory market crashing proper now?

There’s by no means a singular reply for why markets do what they do, why shares rise and fall, or why investor sentiment modifications from someday to the following.

With that in thoughts, perhaps the perfect clarification of what is going on on proper now’s that there are numerous causes for traders to be freaked out, and so they’re.

A mixture of elements contribute, together with inflation, rising home costs and international occasions.

Source: Vox

They hope to purchase a second property in Sydney in future.

In her ’emergency fund’, Queenie has between three to 6 months’ value of her earnings save along with her money financial savings.

‘We have now an emergency fund of $30,000 which signifies that if we stopped being profitable, we might have the ability to reside for six months,’ Queenie mentioned in a TikTok video.

‘An emergency fund is three to 6 months of residing bills saved in money simply in case one thing sudden occurs.’

In her ’emergency fund’, Queenie has between three to 6 months’ value of her earnings save along with her money financial savings

Within the feedback of the social media put up, others agreed with Queenie and in addition keep away from checking market costs.

‘It is a nice option to shift the way in which you consider your portfolio – it might drive me loopy figuring out my each day home value,’ one particular person wrote.

‘I want I had more money to purchase extra,’ one other mentioned, a 3rd added: ‘You at all times hit the nail on the pinnacle.’

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Finance

Here's what will boost your feeling of financial well-being the most, researchers say

Published

14 hours ago

May 31, 2025

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Here's what will boost your feeling of financial well-being the most, researchers say

article

FILE – A coin being inserted into a piggy bank. Getty Images

Some money experts have insight on what helps the average American feel better about their financial situation – and it has little to do with a high income or assets.

Emergency savings amount

Conclusion:

The investment adviser group Vanguard surveyed thousands of its clients about their financial situation, and found the strongest predictor of financial well-being and lower financial stress was having at least $2,000 in emergency savings.

By the numbers:

Those who have at least $2,000 in emergency savings were associated with having a 21% higher level of financial well-being, versus those who didn’t have any emergency savings.

Those who have an additional three to six months of expenses saved up saw an additional 13% boost in financial well-being.

Dig deeper:

Additionally, those with an income of $500,000 or more saw a 12% boost in financial well-being.

And those with over $1 million in assets had an 18% boost.

RELATED: These cities have the highest percentage of ‘rich renters’ as housing prices rise

Financial well-being

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More perspective:

Financial well-being is a state wherein a person can fully meet current and ongoing financial obligations, can feel secure in their financial future, and is able to make choices that allow them to enjoy life, according to the Consumer Financial Protection Bureau.

Dig deeper:
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Vanguard asked how often people spent thinking about and dealing with their finances, and found that those who have an emergency savings fund spent 2.5 fewer hours per week on financial matters.

On average, those without emergency savings spent more than 7 hours per week on financial matters.

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RELATED: Child care cost the most in these states in 2024, analysis found

Big picture view:

Most financial experts, including Vanguard, recommend having about three to six months of expenses accessible in an emergency savings fund.
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The Source: Information in this article was taken from a Vanguard report, which analyzed data after surveying more than 12,000 investors of varying age, income and asset ranges. This story was reported from Detroit.

MoneyConsumerNewsU.S.

Finance

A public route for investors into growing private finance

Published

1 day ago

May 31, 2025

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A public route for investors into growing private finance

Unlock the Editor’s Digest for free

Start-ups and companies seeking scale-up funding no longer flock to the stock market as readily as they once did. Many bypass the high street banks too. The reason? They have other options thanks to the ready availability of different types of funding from private markets, at least for those businesses showing fast growth potential.

Private capital markets, which have grown significantly in recent years, offer services ranging from debt funding, seed and venture capital to minority stakes and full buyouts.

Their efforts to rival public markets have been helped by bouts of volatility and illiquidity that have hit stock markets. The tougher life gets for listed companies, the more companies are tempted to go or stay private. Being on a public market comes with extra costs, the legal obligation to be fully transparent on all aspects of the business and the risk of a lifeless share price. Increasing numbers of listed companies are being taken private as their discounted shares make them easy prey.

Ironically, one way for investors to tap into the growth and profitability of private markets is through investing in companies that use public stock markets to raise capital for their private funding operations. Intermediate Capital provides a range of private funding, spanning debt, mezzanine finance and private equity. Petershill Partners, whose parent is Goldman Sachs, provides capital and expertise to private capital managers.

Investment trusts have invested in private markets for decades, and range from Pantheon International, which specialises in private equity assets, to Scottish Mortgage, which allocates a proportion of its portfolio to unquoted companies. Lucrative returns are not guaranteed and it has become an increasingly crowded market, which brings additional risks. Investors should take care to avoid overexposure and to research the available options properly.

Intermediate Capital (Hold)

Finance

Fed’s preferred inflation gauge shows price increases cooled in April

Published

2 days ago

May 30, 2025

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Fed’s preferred inflation gauge shows price increases cooled in April

The latest reading of the Federal Reserve’s preferred inflation gauge showed price increases slowed in April as inflation remained above the Fed’s 2% target. The release comes as investors have been closely watching data releases for signs of how President Trump’s tariff policy is impacting the economy.

The “core” Personal Consumption Expenditures (PCE) index, which strips out food and energy costs and is closely watched by the central bank, rose 2.5% on an annual basis, in line with expectations and lower than the 2.7% seen in March. Core prices rose 0.1% in April from the prior month, in line with expectations and the monthly increase seen in March.

On a yearly basis, PCE increased by 2.1%, below the 2.2% economists had expected.

The release is yet another sign that while economists and consumers alike expect Trump’s tariffs to push prices higher, the inflationary impact from policy largely isn’t showing up in hard economic data. Friday morning’s release reflects the month of April, the first month in which a large portion of Trump’s tariffs were in effect.

It does not include any impacts from the 90-day tariff pause between the US and China.

“The increased tariffs have not yet worked their way into the consumer inflation readings, but we anticipate that the improved inflation trend will reverse in the second half of the year as companies are forced to begin passing along a portion of the increased tariffs in order to protect profit margins,” Nationwide chief economist Kathy Bostjancic wrote in a research note on Friday.

Read more: What Trump’s tariffs mean for the economy and your wallet

On Wednesday, minutes from the Federal Reserve’s May meeting revealed officials are growing increasingly concerned about how Trump’s policies could impact its fight against inflation.

“Almost all participants commented on the risk that inflation could prove to be more persistent than expected,” the minutes read.

Investors and consumers alike have been closely watching for any price increases due to President Trump’s tariffs. (RONALDO SCHEMIDT/AFP via Getty Images) · RONALDO SCHEMIDT via Getty Images

Josh Schafer is a reporter for Yahoo Finance. Follow him on X @_joshschafer.

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