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Rick Cosier

There’s no such thing as an average investor

Models, statistics, historical data and forecasts can paint a picture of the average investor, but just who is average? Financial planning and investment decisions need to consider the individual.

Wealth managers need a new car not a faster horse

Sit through a dozen fund manager presentations and they all start to sound the same. There's been little significant innovation in the managed funds industry in the last 15 years. Why is this and what are the consequences?

Price statistics in the (un)real estate market

Auction clearance rates are often quoted as a barometer of the health of the residential real estate market, but do they really reflect what is happening after the bidding stops?

Lessons from 32 years of investment returns

Future returns from different asset classes are always uncertain and subject to contrary forecasts, but there are useful lessons from the past. As Shakespeare wrote in The Tempest, "What is past is prologue."

Everyone needs a plan

We cannot afford to ‘make things up as we go along’. We need a plan that addresses short, medium and long term goals, and we need to take action to address those goals now, not later.

Is a ‘transition to retirement’ pension worthwhile?

If you are between 55 and 59 years old, the merit of a transition to retirement pension depends on a complex set of variables. But it is worth doing the numbers.

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Investment strategies

An enlightened dividend path

While many chase high yields, true investment power lies in companies that steadily grow dividends. This strategy, rooted in patience and discipline, quietly compounds wealth and anchors investors through market turbulence.

Investment strategies

Don't let Trump derail your wealth creation plans

If you want to build wealth over the long-term, trying to guess the stock market's next move is generally a bad idea. In a month where this might be more tempting than ever, here is what you should focus on instead.

Economics

Pros and cons of Labor's home batteries scheme

Labor has announced a $2.3 billion Cheaper Home Batteries Program, aimed at slashing the cost of home batteries. The goal is to turbocharge battery uptake, though practical difficulties may prevent that happening.

Investment strategies

Will China's EV boom end in tears?

China's EV dominance is reshaping global auto markets - but with soaring tariffs, overcapacity, and rising scrutiny, the industry’s meteoric rise may face a turbulent road ahead. Can China maintain its lead - or will it stall?

Investment strategies

REITs: a haven in a Trumpian world?

Equity markets have been lashed by Trump's tariff policies, yet REITs have outperformed. Not only are they largely unaffected by tariffs, but they offer a unique combination of growth, sound fundamentals, and value.

Shares

Why Europe is back on the global investor map

European equities are surging ahead of the U.S this year, driven by strong earnings, undervaluation, and fiscal stimulus. With quality founder-led firms and a strengthening Euro, Europe may be the next global investment hotspot.

Chalmers' disingenuous budget claims

The Treasurer often touts a $207 billion improvement in Australia's financial position. A deeper look at the numbers reveals something less impressive, caused far more by commodity price surprises than policy.

Fixed interest

Duration: Friend or foe in a defensive allocation?

Duration is back. After years in the doghouse, shifting markets and higher yields are restoring its role as a reliable diversifier and income source - offering defensive strength in today’s uncertain environment.

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