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22 April 2025
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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.
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.
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.
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.
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?
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.
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.
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.
The intergenerational wealth transfer, largely driven by a housing boom, exacerbates economic inequality, stifles productivity, and impedes social mobility. Solutions lie in addressing the housing problem, not taxing wealth.
With an election due by 17 May, we are effectively in campaign mode with the Government announcing numerous spending promises since January and the Coalition often matching them. Here's what the election means for investors.
With fixed term deposit rates declining and bank hybrids being phased out, what are the best options for investors seeking income? This goes through the choices, and the opportunities and risks involved.
The S&P 500's recent correction raises concerns about a bear market. History shows corrections are driven by high rates, unemployment, or global shocks, and that there's reason for optimism for nervous investors today.
The famed investor says the rapid switch from globalisation to trade wars is the biggest upheaval in the investing environment since World War Two. And a new world requires a different investment approach.
Trump's tariffs and China's retaliatory strike have sent the Nasdaq into a bear market with the S&P 500 not far behind. What are the implications for the economy and markets, and what should investors do now?