money money money the 10 questions with Gemma Dale
Nov 20, 2025
In a captivating chat, Gemma Dale, Director for Investor Behaviour at NAB Trade, shares her insights on investing. She emphasizes the importance of starting early and sticking to a long-term strategy. Gemma breaks down the pros and cons of investing inside versus outside superannuation, and highlights cash flow challenges for young investors. She argues that strong financial management doesn't require genius, just practical strategies. Plus, she reveals her best investments and recommends books to enhance investing knowledge.
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Start And Stick To A Plan
- Get started and commit to a long-term investing plan rather than waiting for perfect timing.
- Build a strategy and stick with it to turn theory into successful practice.
Choose Liquidity Over Locked Super Early
- Prioritize liquidity over extra super contributions if you're younger and may need access to cash.
- Focus on home ownership goals first if that aligns with your retirement expectations and priorities.
Weigh After-Tax Returns Before Paying Mortgage
- Evaluate your after-tax return needs to decide whether to pay down the mortgage or invest instead.
- When interest rates are high, paying off mortgage debt often beats investing on an after-tax basis.
