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22 July 2024

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Edition: 427

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Welcome to Firstlinks Edition 427 with weekend update

  • 30 September 2021
  • 5

All in one week. All on one subject. All buying into the same problem. Let's do a roll call of abbreviations and acronyms. IMF, OECD, CFR, RBA, APRA, ANZ, CBA. What are they all fussing about? Suddenly, they've realised rapidly-rising house prices might cause financial instability, generational inequity, mortgage stress and loan defaults. And did you know a housing inquiry is underway?

The sorry saga of housing affordability and ownership

It is hard to think of any area of widespread public concern where the same policies have been pursued for so long, in the face of such incontrovertible evidence that they have failed to achieve their objectives.

It's coming: 10 ways to cool rampant housing prices

Enough abbreviations and acronyms. IMF, OECD, RBA, APRA, CFR, CBA and ANZ are all calling for curbs on housing lending to head off financial instability and mortgage stress. Why will it take APRA months to issue a paper?

Antipodes’ Jacob Mitchell on his biggest investing lessons

Jacob Mitchell spent 14 years at Platinum before establishing Antipodes in 2015. He discusses trends he is following, his biggest lessons, LICs versus active ETFs and a stock he will hold for at least 10 years.

Move on from franking: Is tax-free retirement fair?

Superannuation funds receive franking credit refunds simply because their marginal tax rates are low, and no other reason. This point is often lost in the franking credit debate, but is low or tax-free super fair?

Never Evergrande: where to from here?

The Chinese Government has been tightening lending conditions for developers but has no motive to undermine the housing market. Evergrande's restructure will be messy but the Government will stabilise the market.

Why market forecasts matter to long-term investors

Investors should prepare for a decade of returns below historical averages for both stocks and bonds. Over the next decade, equity returns may be tiny compared with the lofty double-digit returns of recent years.

What do you expect from your portfolio today?

Recent history has been spectacularly good for most asset classes but there is a the colossal gap between fundamentally-based forecasts of stockmarket returns over the next 5-10 years and investor expectations.

Latest 'Wealth of Experience' podcast

In this episode, Graham and Peter buy into the moves to control house prices, discuss the massive debate on age pension assets test, interview Antipodes' Jacob Mitchell, and observe buyers chasing long-term assets.

Three good comments from the pension asset test article

With articles on the pensions assets test read about 40,000 times, 3,500 survey responses and thousands of comments, there was a lot of great reader participation. A few comments added extra insights.

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Meg on SMSFs: Clearing up confusion on the $3 million super tax

There seems to be more confusion than clarity about the mechanics of how the new $3 million super tax is supposed to work. Here is an attempt to answer some of the questions from my previous work on the issue. 

Welcome to Firstlinks Edition 566 with weekend update

Here are 10 rules for staying happy and sharp as we age, including socialise a lot, never retire, learn a demanding skill, practice gratitude, play video games (specific ones), and be sure to reminisce.

  • 27 June 2024

Australian housing is twice as expensive as the US

A new report suggests Australian housing is twice as expensive as that of the US and UK on a price-to-income basis. It also reveals that it’s cheaper to live in New York than most of our capital cities.

The catalyst for a LICs rebound

The discounts on listed investment vehicles are at historically wide levels. There are lots of reasons given, including size and liquidity, yet there's a better explanation for the discounts, and why a rebound may be near.

The iron law of building wealth

The best way to lose money in markets is to chase the latest stock fad. Conversely, the best way to build wealth is by pursuing a timeless investment strategy that won’t be swayed by short-term market gyrations.

How not to run out of money in retirement

The life expectancy tables used throughout the financial advice and retirement industry have issues and you need to prepare for the possibility of living a lot longer than you might have thought. Plan accordingly.

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