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Key Points Falling real wages and a surge in tax and interest payments have led to a slump in Australian living standards. But a broader driver of the malaise in living standards has been a slump in productivity growth from over 2% pa in the...
Key Points The key themes for 2024 were: better than feared growth; global divergence; more disinflation; falling interest rates but with Australia lagging; and more geopolitical threats but not as bad as feared. As in 2023, returns were strong. 2025 is likely to see positive...
Key Points The economic and financial environment today is more challenging than when Trump first took over in 2017: inflation is a bit higher, the budget deficit is worse, bond yields are higher and shares are more expensive. He also faces constraints from: rising bond...
Key Points A surge in financial information and opinion along with our natural inclination to focus on bad news is arguably making us worse investors: more fearful and short-term focussed. Five ways to help manage the noise and stay focussed are: put worries in context;...
Key Points The return of Donald Trump to the US presidency brings the prospect of more US tax cuts and deregulation, but also more tariff hikes and trade wars and policy uncertainty. His win was not the surprise it was in 2016, and markets have...
Advice can play a critical role in helping to manage financial stress. Click the link below for 3 key ways a financial adviser can help you feel better about your finances. To read the full article click here....
Key Points Starting point valuations – like yields and price to earnings ratios – are key drivers of medium-term investment returns. Valuation starting points for term deposits and bonds have improved. For shares they suggest constrained return potential, particularly from US shares but Australian, European...
Key Points Many of the mistakes investors make are based on common sense rules of thumb that turn out to be wrong. As a result, it’s often wise for investors to turn common sense logic on its head. The easiest way to avoid many of...
Key Points A move towards more aggressive fiscal policy stimulus and property support measures should help drive a mild cyclical upswing in China’s economy. However, it’s doubtful it will be enough to reverse longer term structural problems facing China – around excess saving, demographics and...
Key Points The US election has significant potential to impact markets. A Harris victory would mean more of the same, but a Trump victory could lead to uncertainty particularly around trade. Australia would be vulnerable to a rapid intensification of trade wars which is looking...