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Edition: 478

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Welcome to Firstlinks Edition 478 with weekend update

  • 6 October 2022
  • 22

If you are wondering whether bankers are really so mean as to withhold interest rate increases on deposit accounts to make more profits, the answer is yes. Banks will use the rate rises to increase margins. Plus we explore why 'running out of money' is overstated for retiree homeowners.

Homeowner retirees should not ‘run out of money’

A retired couple with up to $419,000 in assets plus a family home can receive a full age pension of $40,000 a year (worth maybe $1 million) plus many other benefits. With home equity access, money should not run out.  

The five most common topics for advisers and their clients

An explanation of five areas of most interest to financial advisers and their clients, including home equity access, downsizing, Senior Cards, work tests and new transfer balance caps - all worth knowing about.

How to identify overvalued small cap companies

Favourable investment conditions created bubbles in 2021 but sectors such as BNPL with poor businesses and no profits have seen a payback. Is lithium next? At least small companies are potential takeover targets.

Financial literacy for older Australians has gone nowhere

It feels like financial planning for retirement has been running up and down on the spot for 20 years. We still struggle with the difference between general and personal advice. What happened to the worthwhile schemes?

Positioning a portfolio for today's market conditions

Value investing relies on a fundamental assessment of the intrinsic worth of a company, based on risk and reward. Time has come for the more stable sectors such as the Utilities, Health Care or Consumer Staples.

The energy crisis is likely to last years

History will show Europe was ill-advised to rely on Russian fossil fuels, and the energy crisis has delivered stark choices on climate change, government finances, inequality, inflation, politics and social cohesion.

How powerful are Xi Jinping and the Chinese Communist Party?

Neither Xi Jinping nor the Chinese Communist Party are as all-powerful and domineering as they  seem. Given China's crucial role in Australia's fortunes despite slowing growth, understanding its politics is critical.

Most viewed in recent weeks

Vale Graham Hand

It’s with heavy hearts that we announce Firstlinks’ co-founder and former Managing Editor, Graham Hand, has died aged 66. Graham was a legendary figure in the finance industry and here are three tributes to him.

The nuts and bolts of family trusts

There are well over 800,000 family trusts in Australia, controlling more than $3 trillion of assets. Here's a guide on whether a family trust may have a place in your individual investment strategy.

Welcome to Firstlinks Edition 583 with weekend update

Investing guru Howard Marks says he had two epiphanies while visiting Australia recently: the two major asset classes aren’t what you think they are, and one key decision matters above all else when building portfolios.

  • 24 October 2024

Warren Buffett is preparing for a bear market. Should you?

Berkshire Hathaway’s third quarter earnings update reveals Buffett is selling stocks and building record cash reserves. Here’s a look at his track record in calling market tops and whether you should follow his lead and dial down risk.

Preserving wealth through generations is hard

How have so many wealthy families through history managed to squander their fortunes? This looks at the lessons from these families and offers several solutions to making and keeping money over the long-term.

A big win for bank customers against scammers

A recent ruling from The Australian Financial Complaints Authority may herald a new era for financial scams. For the first time, a bank is being forced to reimburse a customer for the amount they were scammed.

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