With the new financial year underway, here’s why savvy investors act now, not later.
The end of June might feel like a full stop at the end of the financial year. But for investors, July is often where the most thoughtful decisions begin. With a fresh tax year ahead, performance reset, and market jitters still looming large, it’s often the moment patient investors quietly get to work.
A Fresh Tax Year = A New Allocation Window
Many investors wait long after the End Of Financial Year (EOFY) to get their affairs in order, but July is often when the proactive ones act. New contribution limits, distributions out of the way and a clean slate mean decisions made now set the tone for the year ahead.
Early Action Means More Time in the Market
The earlier you invest, the longer your money is put to work. Starting in July doesn’t just mean getting in early, it means giving yourself the full financial year to benefit from compounding returns, reinvested distributions, and any opportunities that emerge along the way. For long-term investors, that extra time in the market can make a meaningful difference. It’s potentially a smart move that aligns your investment horizon with the financial year, setting you up for growth from day one.
Opportunity Often Looks Uncomfortable
Investors who act early in the financial year, especially when sentiment remains cautious, are often those who benefit most over time. At Forager, we’ve built our track record by focusing on parts of the market others tend to overlook. You’ll see that despite small-cap underperformance, the investment team have managed to find plenty of excellent opportunities during the FY25 financial year:
Right now, both domestic and global small and mid-cap stocks remain an especially fertile hunting ground. Our investment team is busy uncovering more new opportunities in Australia and overseas.
Of course, investing comes with risks. Markets go up and down, and there are no guarantees. But investing in July provides the greatest amount of time to weather any volatility that does happen during the financial year ahead.
Forager's Funds Are Positioned for What’s Next
We’ve made some bold investment decisions in recent months, moves that reflect where we see genuine long-term value, not where the headlines are pointing. We are also very happy about how our portfolios are positioned for the year ahead.
If you're already an investor, July is a great time to top up. If you've been watching Forager from the sidelines, maybe this is your year to jump in. Either way, now’s a smart time to act. Don't procrastinate, get your portfolio in order for the financial year ahead: