When it comes to reaching your financial and retirement goals, one key element of your plan will be how your savings are invested.
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Year after year we make resolutions to exercise more, eat better or get our super in shape. Often one of the keys to success is getting a head start to the year with a few "quick wins". Getting your super in shape is no different.
Most people would probably say they are investors. However volatility in the markets over the past year or so is testing investors' resolve and revealing many closet speculators.
Were you at Woodstock or the Big Day Out? Do you prefer Cliff Richard, Michael Jackson or Lady Ga Ga?
There are two perspectives on the outlook for Australia in 2012.