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James Gruber

Which asset class in Australia offers the best value now?

After price falls in most asset classes in Australia last year, where are the best opportunities in 2023? We compare cash, bonds, residential and commercial property, as well as stocks, and reveal what’s cheap and what’s not.

Fierce debate among Firstlinks’ readers over ‘super inequities’

The equity or inequity of super tax breaks for retirees has provoked intense debate among Firstlinks' readers. Some view them as a travesty while others believe they're fair and what the system was designed to do.

Is it finally time to move on from crypto after FTX?

Cryptocurrency advocates are in total denial that their war against fiat currency has ended. FTX’s downfall should prove the final straw as the the world is moving on from crypto mania and it'll be better off for it.

FTX's lessons for Australian investors

The FTX story has it all: fraud, greed, lust, large financiers and political connections. For Australian investors, it might seem the drama is too surreal to have any relevance, yet we think there are lessons to take away.

Why our financial abilities peak at age 53

Few of us will reach 80 years old without some kind of mental impairment that will cloud our financial decision-making. It's wise to take such decision-making out of our hands while we have the mental capacity to do so.

Fighting the last war

Recency bias often prevents investors from rationally evaluating the road ahead. We look at how to counter this common error and build a durable investment portfolio that will perform under most circumstances.

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Retirement

Retirement is a risky business for most people

While encouraging people to draw down on their accumulated wealth in retirement might be good public policy, several million retirees disagree because they are purposefully conserving that capital. It’s time for a different approach.

Investment strategies

Why ASX miners will handily beat banks in the long-term

After a stellar run for banks, investors are wondering whether they can continue their outperformance or if a rotation into miners is imminent. There’s a good case that a switch is coming, and it may last decades, not just years.

Investment strategies

After DeepSeek, what's next for the big US tech companies?

DeepSeek has surprised investors, but it shouldn't: it's part of a normal capital cycle. Big tech companies have made a lot of money, which attracts capital and competition, and eventually hurts returns and incumbent share prices.

Economy

The case for Australian AI

If Australia is to control its own destiny in an AI-enabled future, it must build its own infrastructure, not rent it from overseas. Creating homemade AI is the first critical step in the long process of building Australia's AI economy.

How Netflix is staying ahead of the competition

The TV streaming business has become increasingly competitive, yet Netflix has managed to grow market share and become the dominant player. Here's how it's done that, and the opportunities it has moving forwards.

Investment strategies

The million-dollar banana and the power of story

Markets are not driven by numbers alone. Examples from Tesla shares to Sydney houses show that investors must evaluate not just tangible assets or financials, but also the intangible story that magnifies their value.

Retirement

An alternative asset class for income-seeking retirees

A big market sell-off can force pensioners to 'sell cheap' in order to meet their miniumum withdrawal requirements. Investing in less volatile assets that also deliver regular income could provide an alternative.

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