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If you’re looking to buy some ASX dividend shares for your portfolio, then I think the ones below could be quality options. 

Both have strong businesses and offer generous dividend yields. Here’s why I would buy them when the market reopens:

Fortescue Metals Group Limited (ASX: FMG)

The first ASX dividend share to look at is Fortescue. I’m a big fan of the iron ore producer due to its world class and low cost operations. Another positive is that the company has been increasing the quality of its grade in recent times. This has allowed Fortescue to take advantage of the high prices that iron ore is commanding right now due to robust demand and supply disruption. Overall, I believe it is well-positioned to deliver bumper free cash flows in FY 2020 and FY 2021. And with the majority of its free cash flow likely to be returned to shareholders, this bodes well for its dividends. I estimate that its shares currently offer a fully franked 7% FY 2021 yield.

Rural Funds Group (ASX: RFF)

Another dividend share for income investors to buy is Rural Funds. I like the agriculture focused property group due to its high quality property portfolio and its ultra long tenancy agreements. At the end of the first half, Rural Funds’ weighted average lease expiry stood at a lengthy 11.5 years. Combined with rental increases that are built into its leases, this gives the company great visibility with its future earnings. So much so, management has already revealed what it plans to pay shareholders in FY 2021. It has provided distribution guidance of 11.28 cents per share for next year. This works out to be a forward 5.5% distribution yield. I think this makes Rural Funds a great long term option in this low interest rate environment.

More reading

• How to build a $20,000 passive income with ASX shares
• How to replace your entire wage with dividends
• 3 ASX dividend shares for retirees
• These quality ASX dividend shares have very juicy yields
• ASX shares are in a bull market. What should investors do now?

Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia owns shares of and has recommended RURALFUNDS STAPLED. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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Are you looking for an extra income stream? I believe that investing in ASX shares paying high dividends is an excellent strategy for achieving this. My top 3 picks right now are BHP Group Ltd (ASX: BHP), Telstra Corporation Ltd (ASX: TLS) and Wesfarmers Ltd (ASX: WES) shares.

All 3 of these ASX 200 shares pay strong dividends and are fully franked. This can further boost your income as you get a 30% tax rebate.

Wesfarmers shares

Wesfarmers is a highly diversified business. I believe this is the group’s core strength.

It has operations across a broad spectrum of the Australian economy. This provides it with a buffer to any industry-specific challenges that may come its way.

Wesfarmers has operations in general retail segments including merchandise and office supplies. It also has a number of industrial divisions with operations in energy and fertilisers, and industrial and safety products.

It continues to evolve its online offering, which has seen strong demand during the coronavirus pandemic. This includes its online-only channel via Catch and its Target and Kmart online offerings.

The Wesfarmers share price is sitting at $41.72 and offers a very nice forward fully franked dividend yield of around 3.6%.

BHP shares

BHP has diversified operations across a range of divisions. These include iron ore, as well as copper and aluminium.

The mining giant is definitely my pick of the resource companies listed on the ASX right now.

In its April quarterly activities report, it noted that it continues to expect to generate strong cash flows. This is despite the continued challenges it faces in light of the coronavirus pandemic.

Also, with signs of global markets improving, this could see its business pick up further in the second half of the year.

Based on current earnings with a share price of $36.34, BHP offers a very attractive forward fully franked dividend yield of around 5.2%.

Telstra shares

In a recent market update, Australia’s largest telecommunications provider revealed that it is on track to achieve most of its T22 strategy goals.

This includes a goal to reduce its underlying fixed costs by as much as $2.5 billion annually by the end of FY 2022. The telco giant is evolving into a leaner, more efficient telco provider.

Telstra has also witnessed strong demand for its services throughout the pandemic so far. This has helped to boost its recent performance.

I believe that Telstra remains well placed for long-term growth over the next five to 10 years.

Growth over the next few years will be partly driven by its market-leading position in the rollout of 5G services.

In addition, Telstra provides investors with a forward fully franked dividend yield of around 3.1% with a current share price of $3.23.

More reading

• Where I’d invest $2,500 in ASX shares today
• Top brokers name 3 ASX 200 shares to buy next week
• How to replace your entire wage with dividends
• Is this ASX small cap the best placed to benefit from the $700m HomeBuilder grant?
• These quality ASX dividend shares have very juicy yields

Motley Fool contributor Phil Harpur owns shares of Telstra Limited. The Motley Fool Australia owns shares of and has recommended Telstra Limited. The Motley Fool Australia owns shares of Wesfarmers Limited. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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The current economic environment has got many people thinking about passive income and ASX shares.

The sum of $20,000 creates a baseline level of income that can help to pay the bills and basic living expenses for many individuals.

Of course, that doesn’t mean you can’t continue to work. But the potential to add $20,000 without lifting a finger is enticing to most savvy investors.

So, how can you build a strong passive income stream with ASX shares in 2020?

Save as much as you can

This is a critical step in the process. There’s no magic cure here that will build your wealth overnight.

Trimming down expenses where possible is a great first step. That means creating a budget and looking at cutting down on discretionary spending.

All of this extra income can go towards investing in ASX shares. Whether it’s an extra $500, $5,000 or $50,000 per year, strong savings habits are crucial to developing a passive income.

Invest in ASX shares for a passive income

Once you’ve got strong personal finance habits in place, it’s time to start investing.

There are many ASX shares like Fortescue Metals Group Limited (ASX: FMG) with strong dividend yields.

Of course, dividend yields can be misleading but are the best income indicator we have right now.

At the time of writing, Fortescue shares are yielding 6.88% while Harvey Norman Holdings Ltd (ASX: HVN) shares are yielding 9.18%.

If you can consistently save $10,000 per year and invest in a diversified ASX share portfolio, you can quickly generate a $20,000 passive income stream.

If we assume a 7% average dividend yield, we would need to build a $285,714 portfolio for a $20,000 per year passive income.

Let’s say we save $10,000 per year and invest it in ASX shares. If we receive a 7% yield and reinvest it into these shares, we could generate a $21,588 passive income in just 17 years.

Foolish takeaway

It’s easy to think that creating a passive income from ASX shares is all too hard.

However, while the above calculation is a simplified example, it does demonstrate that discipline and a strong dividend portfolio can help you build your long-term wealth.

More reading

• 2 strong ASX dividend shares to bolster your income
• These quality ASX dividend shares have very juicy yields
• ASX shares are in a bull market. What should investors do now?
• 3 ASX dividend shares with big yields above 9%
• Should the Xero share price have a P/E ratio of 4,000?

Motley Fool contributor Ken Hall has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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If you’re looking to add some international diversity to your portfolio, then using exchange traded funds (ETFs) is a quick way to do this.

But which ETFs should you buy? There certainly is a lot of choice when it comes to ETFs. To narrow things down, I’ve picked out three that I think would be great additions to most portfolios. 

Here’s why I think they are worth considering:

BetaShares NASDAQ 100 ETF (ASX: NDQ)

This first option to consider buying is the BetaShares NASDAQ 100 ETF. This ETF is an easy way for investors to gain exposure to the famous NASDAQ 100 index. This index is filled to the brim with household names from a wide range of industries. These include the likes of Amazon, Costco, Facebook, Starbucks, and video conferencing company, Zoom. I believe the majority of the companies on the index have very bright outlooks. As such, I wouldn’t be surprised to see the Nasdaq 100 continue to outperform the ASX 200 over the next decade.

Vanguard MSCI Index International Shares ETF (ASX: VGS)

Another option that gives investors exposure to international shares is the Vanguard MSCI Index International Shares ETF. In fact, this ETF gives investors to some of the biggest companies in the world. The fund is invested in a total of 1,579 listed companies across major developed countries. Its holdings include the likes of Apple, Nestle, Proctor & Gamble, and Google parent, Alphabet

Vanguard FTSE Asia ex Japan Shares Index ETF (ASX: VAE)

A final option for investors to consider buying is the Vanguard FTSE Asia ex Japan Shares Index ETF. It give investors exposure to some of the biggest and best companies in the Asia market (excluding Japan). In total the ETF is invested in over 1,250 shares across the continent. These include the likes of Tencent, Alibaba, and Samsung. Given how quickly the Asian economy is expected to grow in the future, I believe these companies are well-positioned for growth. This could lead to the ETF outperforming the ASX 200 in the future.

More reading

• 3 ASX shares for a beginner’s portfolio
• Are Macquarie Group shares worth investing part of $3,000 into this June?
• ETFs I’d pick to build a passive portfolio
• 3 top ETFs you can easily diversify your portfolio with immediately
• Where to invest $10,000 into ASX shares immediately

Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia owns shares of and has recommended BETANASDAQ ETF UNITS. The Motley Fool Australia has recommended Vanguard MSCI Index International Shares ETF. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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Dividend shares could become increasingly popular among income-seeking investors in coming years. Low-interest rates may see shares offer the most attractive return profile among mainstream income-producing assets.

Therefore, buying a selection of cheap shares now which offer dividends could be a sound move. Although the recent market crash may or may not be over yet, the prospect of a long-term market rally may mean that shares offer strong capital returns in the coming years, helping you to retire early.

Low-interest rates

The uncertain outlook for the world economy could mean interest rates experience a prolonged period at low levels. This may help to support the economy while it faces an unprecedented crisis. But it also leaves income-seeking investors with a lack of choice in generating a return from their capital.

For example, mainstream income-producing assets such as cash and bonds may become relatively unpopular. They may fail to offer an inflation-beating return over the next few years. This could increase the demand for dividends with many companies now presenting relatively high yields following the market crash.

Certainly, there is scope for dividends to be cut across many sectors where sales and profitability are under pressure. But a number of companies and industries have reported solid financial performances of late. As such, their shares may experience increasing demand from investors. This is especially true if they are able to increase dividends at an above-inflation pace.

This could lead to a rise in share price to complement attractive income returns over the long run. It could also boost your portfolio returns.

Share market recovery

The share market’s long-term prospects appear to be relatively bright despite a sustained recovery seeming unlikely at the present time. This is due to the potential risk of a second coronavirus wave later in the year and geopolitical challenges concerning the US and China.

However, share market recoveries seemed unlikely during the previous crisis. And while they can sometimes take years to materialise, long-term investors building a retirement nest egg are likely to have sufficient time to benefit from them. As such, equities appear to offer the most obvious means of generating an attractive total return over the long run.

Increasing popularity of dividend shares

Dividend shares could be relatively popular during a market recovery. This is not only for their income prospects but because a growing dividend suggests financial strength and confidence among a company’s management regarding growth potential. Investors may view a company with the financial strength to maintain its growing dividend in a more positive light, relative to its peers.

This may increase demand for its shares and lead to a higher share price, which boosts your chances of retiring early.

More reading

• 3 of the best ETFs to give ASX investors international exposure
• Can you get rich by investing $5,000 a year into ASX shares?
• Where I’d invest $2,500 in ASX shares today
• Top brokers name 3 ASX 200 shares to sell next week
• Top brokers name 3 ASX 200 shares to buy next week

Motley Fool contributor Peter Stephens has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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How much do you think you would have now if you had invested $5,000 into the share market each year since 1990?

That’s a total of $150,000 invested over a 30-year period. Maybe it would be worth $250,000 now? Or perhaps even half a million?

Well, you might be surprised to learn that if you earned the market return of 9.5% per annum, you would have generated even more wealth. Today, these investments would be worth approximately $825,000.

I believe this demonstrates how rewarding it can be to invest consistently over a long period.

With that in mind, I have picked out three top ASX shares which I believe would be great options for your first $5,000 investment:

Bubs Australia Ltd (ASX: BUB)

I think Bubs could be a good option for a $5,000 investment. It is an infant formula and baby food company which has been growing at a rapid rate. This has been driven by its expanding distribution footprint in Australia and increasing demand in the Asia market. The good news is that its distribution footprint has just expanded further and demand in China is accelerating. I believe this bodes well for its future earnings growth.

Freedom Foods Group Ltd (ASX: FNP)

Another ASX share to consider investing $5,000 into is Freedom Foods. It is a diversified food company with a focus on healthy eating. Its shares have fallen heavily this year after the pandemic hit a number of its sales channels hard. I believe these headwinds are only temporary and investors ought to take advantage of its share price weakness to buy shares. Especially given its very positive long term earnings growth outlook thanks to increasing demand for UHT dairy products, plant beverages, and cereals and snacks.

ResMed Inc. (ASX: RMD)

A final option for a $5,000 investment is ResMed. I believe the medical device company can continue growing its earnings at a solid rate for some time to come. This is thanks to its exposure to a sleep treatment market growing quickly due to the proliferation of sleep apnoea. I think ResMed will be one of the biggest winners in the market because of its high quality masks and software solutions.

More reading

• What ASX shares should you invest in during a bull market?
• 3 ASX shares to buy and hold for the 2030s
• 3 quality ASX shares to buy and hold for decades
• Have $10,000? This is where I’d invest it into ASX shares
• Here’s why long term investing can outperform shorter holding periods

James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. owns shares of BUBS AUST FPO. The Motley Fool Australia has recommended BUBS AUST FPO, Freedom Foods Group Limited, and ResMed Inc. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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It’s hard to know where to invest in ASX shares right now. The S&P/ASX 200 Index (ASX: XJO) has roared back to life after the bear market slump in February and March.

There’s so much uncertainty around the economy with monetary and fiscal policy fighting against the impending Aussie recession.

With all that’s going on, here’s where I’d be looking to invest $2,500 right now.

How to invest $2,500 in ASX shares today

I’m a big believer of the old mantra, ‘time in the market beats timing the market’. Essentially this means that you shouldn’t overthink the current market if you’re investing for the long-term.

The ASX 200 has historically trended upwards which is good news for buy and hold investors.

I think buying high-quality ASX shares is the key to long-term wealth.

This means I’m looking at some of the good value, blue chip shares today. For instance, the BHP Group Ltd (ASX: BHP) share price is one I’ve got my eye on.

BHP shares have fallen lower in 2020 but could be due for a rebound. Strong commodity prices may persist for the rest of 2020 and beyond if we see a global infrastructure boom.

That’s good news for the ASX mining share and its earnings. But it’s not just the mining sector that could be set to gain this year.

It’s hard to ignore the healthcare sector amid the coronavirus pandemic. Healthcare companies generally have non-cyclical earnings and some defensive exposure is often a good thing.

This means I’d be looking at an ASX healthcare share like CSL Limited (ASX: CSL).

CSL shares have slumped below the $300 per share mark in recent weeks. This could present a buying opportunity if you’re bullish on the Aussie biotech’s long-term success.

I think CSL has a strong research and development pipeline as well as a competitive advantage in both its influenza vaccinations and blood plasma segments.

This could mean the ASX healthcare share is due for a rebound back towards the $300 mark and beyond in 2020.

More reading

• Top brokers name 3 ASX 200 shares to sell next week
• Top brokers name 3 ASX 200 shares to buy next week
• How mum and dad investors are beating fund managers at their own game
• Why dividend shares aren’t quite as good as you’d think
• Is this ASX small cap the best placed to benefit from the $700m HomeBuilder grant?

Ken Hall has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. owns shares of CSL Ltd. The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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Once again, a large number of broker notes hit the wires last week. Some of these notes were positive and some were bearish.

Three sell ratings that caught my eye are summarised below. Here’s why top brokers think investors ought to sell these shares next week:

ASX Ltd (ASX: ASX)

According to a note out of Goldman Sachs, its analysts have retained their sell rating and $64.08 price target on this stock exchange operator’s shares. The broker continues to believe that ASX Ltd’s shares are overvalued at the current level following the release of its May update last week. Especially after futures volumes were down sharply for a second month in a row. The ASX Ltd share price ended the week at $87.03.

Magellan Financial Group Ltd (ASX: MFG)

A note out of Morgan Stanley reveals that its analysts have retained their underweight rating and $40.00 price target on this fund manager’s shares. This follows the release of Magellan’s May update which revealed sizeable institutional fund outflows. In light of this outflow, it has concerns over the premium its shares trade at and fears that they could de-rate if funds inflows slow. The Magellan share price last traded at $58.00.

Nufarm Limited (ASX: NUF)

Analysts at Morgans have downgraded this agricultural chemicals company’s shares to a reduce rating with an improved price target of $4.76. According to the note, the broker has concerns over the impact the pandemic is having on its fourth quarter performance. It notes that this has created a lot of near term uncertainty for its earnings. And while it believes its balance sheet is robust, it isn’t enough to prevent a downgrade to a reduce rating. Nufarm shares were changing hands for $4.93 at the end of last week.

More reading

• Top brokers name 3 ASX 200 shares to buy next week
• How mum and dad investors are beating fund managers at their own game
• Why dividend shares aren’t quite as good as you’d think
• Is this ASX small cap the best placed to benefit from the $700m HomeBuilder grant?
• Invest like Warren Buffett with these ASX 200 shares

Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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Last week saw a large number of broker notes hitting the wires once again. Three buy ratings that caught my eye are summarised below.

Here’s why brokers think investors ought to buy them next week:

BHP Group Ltd (ASX: BHP)

According to a note out of Goldman Sachs, its analysts have retained their buy rating and lifted their price target on this mining giant’s shares to $37.80. The broker lifted its price target to reflect higher than expected iron ore prices. In addition to this, it notes that BHP has a strong balance sheet and could use this for share buybacks or value-accretive acquisitions. It also likes the miner due to its strong free cash flow generation and high returning green/brownfield projects. I agree with Goldman Sachs and would be a buyer of its shares.

National Australia Bank Ltd (ASX: NAB)

Analysts at UBS have upgraded this banking giant’s shares to a buy rating with an improved price target of $20.50. According to the note, the broker believes that the outlook for the banks is not as bleak as it looked just a few weeks ago. In light of this, it sees value in NAB’s shares after they underperformed the market during the crisis. I agree with UBS and think NAB and the rest of the big four banks look good value at present.

Qantas Airways Limited (ASX: QAN)

A note out of Morgan Stanley reveals that its analysts have retained their overweight rating and $5.20 price target on this airline operator’s shares. This follows an announcement by Qantas that its domestic capacity could be back to upwards of 40% of pre-pandemic levels by the end of July. It also notes that there is speculation that international travel between Australia and New Zealand could commence from next month. This would be a positive. As long as there is no second wave, I think Qantas could be a good option for investors.

More reading

• Top brokers name 3 ASX 200 shares to sell next week
• How mum and dad investors are beating fund managers at their own game
• Why dividend shares aren’t quite as good as you’d think
• Is this ASX small cap the best placed to benefit from the $700m HomeBuilder grant?
• Invest like Warren Buffett with these ASX 200 shares

Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

The post Top brokers name 3 ASX 200 shares to buy next week appeared first on Motley Fool Australia.

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Retails investors can give themselves a pat on their back as they are outperforming most fund managers in the COVID-19 rebound!

The S&P/ASX 200 Index (Index:^AXJO) made a stellar 32% bounce since the bear market trough 11 weeks ago and most of the gains were reaped by everyday investors.

It’s the so-called “smart money” that have been playing catch-up as they were bracing for a second sell-off that never came.

Right warning, wrong timing

Remember back in early May when ASIC issued an usual warning to mum and dad investors? The market regulator was alarmed to see a spike in new and dormant trading accounts springing up and cautioned them about the likelihood of losing money.

“Even market professionals find it hard to ‘time’ the market in a turbulent environment, and the risk of significant losses is a regular challenge,” said ASIC.

“For retail investors to attempt the same is particularly dangerous, and likely to lead to heavy losses – losses that could not happen at a worse time for many families.”

Lion’s share of the gains

This is very sound advice and there may be some retail investors who have lost big during the market turmoil.

But there’s little doubt it’s retail investors that have been backing the V-shape recovery in our market while fund managers sat on their hands.

I don’t have the data to prove this, but there is enough anecdotal evidence to suggest this is true – and it isn’t only happening here.

US retail investors are laughing too

Retail investors in the US have also been jumping head first into the market. Bloomberg reported that retail brokerages, including Charles Schwab Corp. and TD Ameritrade Holding Corp., posted record account sign-ups and trading volume.

All this while the S&P 500 was surging over 40% from its bear market bottom in on March 23.

Call it dumb luck, but retail investors here and in the US couldn’t have timed their entry any better!

Buying the bottoms and selling the tops

I have been actively buying the market since speculating at the end of March that we may have seen the worst of the sell-off.

But the purpose of this article isn’t self-congratulatory. There are a few important takeaways from this experience.

For one, ASIC is right to warn investors not to try to time the market – and this probably applies to fund managers too.

The right strategy for those with a longer investment horizon is to stay invested in the market and to buy when you believe there is value, as opposed to worrying about whether there’s another shoe that will drop.

No one can consistently buy the bottom and sell the tops. Making this your ultimate goal will drive you crazy.

Should you be day trading?

Unless you know what you are doing, trading in and out of the market will often leave you nursing losses as over 80% of short-term and day traders get wiped out in the first two years of starting.

For those first timers who are lucky enough to make a killing in this new bull market, they should get educated about the market quick. Pay to attend courses and read up on managing risks. Avoid the free seminars as there’s usually a reason why they are free.

Most of all, don’t over extend yourself. You know you are in this camp if you can’t pay your bills or feed yourself if the market suddenly turns.

Tips for dips

Finally, don’t be afraid to buy the dips. The fact that many fund managers have been slow to buy into this new bull market means there’s a lot of cash sitting on the sidelines waiting for opportunities.

This doesn’t mean we won’t get a market correction of up to 10%, but after such a big jump, we are very unlikely to be retesting our March 23 lows.

More reading

• Top brokers name 3 ASX 200 shares to sell next week
• Top brokers name 3 ASX 200 shares to buy next week
• Why dividend shares aren’t quite as good as you’d think
• Is this ASX small cap the best placed to benefit from the $700m HomeBuilder grant?
• Invest like Warren Buffett with these ASX 200 shares

Motley Fool contributor Brendon Lau has no position in any of the stocks mentioned. Follow me on Twitter @brenlau.

The Motley Fool Australia has no position in any of the stocks mentioned. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

The post How mum and dad investors are beating fund managers at their own game appeared first on Motley Fool Australia.

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