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Key Points: The surge in inflation should start to reverse next year. However, five structural trends suggest higher medium term inflation pressures than pre-pandemic. These are: a move away from economic rationalist policies; the reversal of globalisation; rising defence spending; climate change & decarbonisation; &...
Key Points: Yet another revenue windfall and the offsetting of new spending with savings has resulted in sharply lower budget deficits this year and next, with the deficit this year expected to be $36.9bn (down from $78bn in March). This avoids adding to inflation and...
Key Points: The increasing noise around economies and investment markets – associated with a more volatile global economic and geopolitical backdrop along with the rise of social media – highlights the need for investors to have a disciplined approach to investing. Economic and investment forecasts...
North are increasing security in North Online and the North mobile app by enforcing Two Factor Authentication (2FA) for all clients in November 2022, currently this is only optional. 2FA is an extra layer of security, in addition to login details (username and password) and...
Key Points: The RBA sensibly dropped back to a 0.25% hike this month taking the cash rate to 2.6%. Its still signalling more hikes ahead though. Slowing the pace of rate hikes makes sense: the RBA needs to allow time to assess the impact of...
Key Points: Share markets remain under pressure from high inflation, rising rates & bond yields and the rising risk of recession and the threat that poses to company profits. With the rising risk of global recession, global and Australian shares are at high risk of...
Key Points: The last twenty years have seen a sharp slowdown in productivity growth in Australia from over 2% pa to around 1.2% pa. This has adversely affected growth in living standards and real wages. It will adversely affect asset class returns if allowed to...
Key Points: While we are optimistic on a 12-month horizon, shares are at high risk of further falls and a re-test of their June lows in the short term given hawkish central banks, heightened recession risks and geopolitical risks. Seven key global charts worth keeping...
Key Points: Australian home prices fell another 1.6% in August and are now down by 3.5% from their high. Rising mortgage rates are the main driver and there is likely more to go. We continue to expect a 15-20% top to bottom fall in home...
Key Points: Investment markets are driven by more than just fundamentals. Investor psychology plays a huge role and helps explain why asset prices go through periodic booms and busts. The key for investors is to be aware of the role of investor psychology and its...
