Funds Management

This is a passive fund that tracks the MSCI Emerging Markets ex China Index, holding companies across developing markets while excluding mainland Chinese and related shares. That leaves a portfolio led by markets such as Taiwan, India, South Korea, Brazil, Saudi Arabia and others, …

A major repair, temporaryJobloss or unexpected household expense can create immediate pressure on cash flow. Without accessible savings, people may need to useCreditcards, take out loans or sell investments at an inconvenient time.

A tight budget can reduce spending, but it does not automatically create a better financial life. What matters just as much is how efficiently money moves between everyday costs, savings, investments, debt and personal priorities.

Buying has never been easier. Online stores, one-click payments and personalised promotions can turn a passing thought into a purchase within minutes. That convenience can also make impulsive spending harder to control. The 24-hour rule offers a simple response: delay a non-essential purchase for …

Jobs and wages affect much more than household incomes. For fund managers, labour-market conditions can offer clues about consumer demand,Businesscosts, inflation, company profitability and the direction of interest rates.

• Net worth can reveal more aboutWealthprogress than income or short-termInvestmentreturns alone.

Perennial Better Future Active ETF (ASX:IMPQ) is an actively managed exchange-traded fund focused on small and mid-sized companies in Australia and New Zealand. The fund aims to provide exposure to businesses with potential long-term growth opportunities through a selective investment approach.