Have you ever noticed that some parts of the share market seem to perform well while others are struggling?
That’s because different industries respond to different economic conditions.
Understanding how industries work can help you better understand investment markets and why diversified portfolios often include exposure to a range of sectors.
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When most people think about investing, they think about money.
How much do I need?
Am I investing enough?
Should I wait until I earn more?
But there’s another factor that often has an even bigger impact over the long term: time.
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Australian shares edged lower this week, with the ASX 200 down 0.4%, as renewed hostilities between the US and Iran weighed on investor confidence and pushed oil prices higher before they stabilised. The Australian 10-year government bond yield rose to 4.87%, while the Australian dollar remained around US$0.69. RBA Chief Economist Sarah Hunter noted that geopolitical events and supply shocks continue to make managing inflation more challenging, with Australia’s core inflation remaining elevated compared with other developed economies. Housing also remained in focus, with new dwelling completions continuing to fall well short of the National Housing Accord target.
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Hi there,
My name is Craig Keary and I joined Raiz on 1 June as the new CEO.
Throughout my career, I’ve worked across large banks, global financial institutions, wealth businesses and digital investment platforms in Australia and overseas. One thing has become very clear to me: too many parts of the financial system were built for people who were already financially confident, already wealthy or already knew where to begin.
That is exactly why I joined Raiz.
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Australian shares finished the week on a positive note, with the ASX 200 rising around 0.9% as gains across healthcare, mining, technology and financials helped lift the market. While the Reserve Bank of Australia acknowledged inflation remains a challenge, it also noted that financial conditions are already somewhat restrictive. Investors were also encouraged by continued activity in Australia’s capital markets, with companies including KGL Resources, Forrestania Resources and EchoIQ raising funds to support future growth, mine development and technology expansion.
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The middle of the year is a great time to check in on more than just your calendar.
Whether you’ve been investing for years or only recently got started, taking a few minutes to review your finances can help you stay on track and make more informed decisions for the months ahead.
Think of it as a health check for your money. You don’t need to make major changes. Sometimes, the biggest difference comes from simply understanding where you are today.
Here are five things worth checking.
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Australian shares edged lower this week, with the ASX 200 down 0.7%, following a weaker lead from global markets, softer commodity prices and profit-taking in bank stocks. Gains in consumer and healthcare shares were outweighed by declines across technology, resources, telecommunications and financials. The Australian dollar slipped below US$0.69 as the US dollar strengthened on expectations that US interest rates could remain higher for longer. Despite the softer market performance, Australia’s labour market remained resilient, with employment increasing by 40,300 in May and the unemployment rate easing to 4.4%.
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Every new financial year starts with good intentions.
Invest more. Spend less. Get better with money.
The problem is that most financial resolutions are too vague.
People rarely stay motivated by goals like “save more money”. But they’re much more likely to stick with goals that have a name, a purpose, and a clear destination.
That’s exactly why more Australians are creating dedicated savings and investment goals.
In fact, Raiz customers have created almost 100,000 individual Jars, giving us a unique snapshot of what Australians are working towards right now.
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Australian shares were little changed this week, with the ASX 200 edging up 0.3%. Investor attention remained firmly on the RBA, which left interest rates unchanged following three consecutive hikes. While rates were kept on hold, the RBA reiterated that inflation remains elevated and signalled it is prepared to tighten policy further if needed. This reinforced expectations that interest rates could remain higher for longer, despite signs that demand is beginning to soften.
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End of financial year (EOFY) isn’t just about tax returns and paperwork.
It’s one of the few times each year when people naturally stop and think about their money. Where it’s going, what’s working, and what they’d like to do differently next year.
The good news? You don’t need a complete financial overhaul.
A few simple money moves before 30 June could help you head into FY27 feeling more organised, more confident, and more in control.
Here are seven worth considering.
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