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Picture Book · Investing

Near money and far money

Story pages

A woman in her fifties standing in a backyard between a young apple tree and a full basket of picked apples
Meet Lou. She's planning for next year, and for the next twenty.
The woman holding a small basket of apples under a large umbrella on a breezy day
Money she needs in the next year or two generally shouldn't ride the share market.
The woman calmly sorting household bills at her kitchen table with a jar of savings beside her
A cash buffer covers near-term bills, so a market dip doesn't force her to sell at a bad time.
A sequence-like scene of a small apple sapling beside a tall mature apple tree heavy with fruit
Money for ten years or more can usually take more growth risk, because there's time to ride out the bumps.
The woman picking apples into a basket under a big leafy apple tree
Think of it like an apple tree: eat from the basket while the tree keeps growing.
The woman relaxing in a hammock under the apple tree with a book
How long until you need the money is one of the biggest factors in how it might be invested.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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