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What is Firstlinks?


Firstlinks is a publishing service providing content written by financial market professionals with experience in wealth management, superannuation, banking, academia and financial advice.

Authors of articles in Firstlinks are investors and market practitioners with long careers in senior management positions. Firstlinks shares both their knowledge and their battle scars. Our community discusses ideas from an informed and impartial point of view, without pushing products or promoting services.

Firstlinks is supported by long-term sponsors and it does not accept one-off advertising or paid promotions. It was acquired by Morningstar Australasia in October 2019 to enable an expansion of its services and audience.

Firstlinks does not provide financial advice, and we do not know the personal or financial circumstances of any of our readers. We believe there is a strong need for investors to access quality financial writing, both to hear the different sides of any investment opportunity, and to improve their financial literacy. We provide strategies and guidance rather than trying to time the market, picking stocks or selecting next year’s star fund manager. In particular, we aim to inform investors about markets, regulations, structures and useful ideas.

Our target audience is ‘engaged investors’, particularly those who manage their own money, and financial market professionals.

Firstlinks operates with the following basic principles:

* Superannuation is an important part of every Australian’s long term savings plan and financial wellbeing.

* The aim of every investor should be financial independence and creating lifestyle options for later stages of their lives.

* We are not advocates for any specific type of superannuation fund, as the merits of various structures such as pooled super funds (commercial funds, industry funds, corporate funds) and self managed super funds depend on individual circumstances.

* We do not promote any particular form of holding securities (direct or managed funds, listed or unlisted, active or passive) as we believe they all hold a place.

* Financial advisers should play an important role in the savings, retirement, estate planning and protection strategies of the majority of Australians, especially as they approach retirement.

* There is no one correct investment strategy for anyone, and like any life skill, investors need to be as financially literate as possible to participate in their own investing.

* Investors should match their assets to their risk appetites, since the ability to cope mentally with volatile markets is as important as the financial performance.

Firstlinks focusses on investment strategies and ideas with a medium to long term market horizon. We encourage readers to take a ‘through the cycle’, risk-aware perspective. 

 

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2024/25 super thresholds – key changes and implications

The ATO has released all the superannuation rates and thresholds that will apply from 1 July 2024. Here's what’s changing and what’s not, and some key considerations and opportunities in the lead up to 30 June and beyond.

The greatest investor you’ve never heard of

Jim Simons has achieved breathtaking returns of 62% p.a. over 33 years, a track record like no other, yet he remains little known to the public. Here’s how he’s done it, and the lessons that can be applied to our own investing.

Five months on from cancer diagnosis

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Is Australia ready for its population growth over the next decade?

Australia will have 3.7 million more people in a decade's time, though the growth won't be evenly distributed. Over 85s will see the fastest growth, while the number of younger people will barely rise. 

Why LICs may be close to bottoming

Investor disgust, consolidation, de-listings, price discounts, activist investors entering - it’s what typically happens at business cycle troughs, and it’s happening to LICs now. That may present a potential opportunity.

Latest Updates

Retirement

The challenges of retirement aren’t just financial

Debates about retirement tend to focus on the financial aspects: income, tax, estates, wills, and the like. Less attention is paid to the psychological challenges of retirement, which can often be more demanding.

Strategy

Is Australia ready for its population growth over the next decade?

Australia will have 3.7 million more people in a decade's time, though the growth won't be evenly distributed. Over 85s will see the fastest growth, while the number of younger people will barely rise. 

Taxation

The mixed fortunes of tax reform in Australia, part 1

While there have been numerous tax reviews at the Commonwealth and state levels, most have not resulted directly in substantive tax reforms. This two-part series looks at that history and explores the pathway forward. 

Investment strategies

America, the world's new energy superpower

The US has become the world's new energy superpower, combining production, technology and capital in a way never previously achieved – a development sure to have global implications for decades to come.

Investment strategies

Could Korean corporate reform trigger a Japan-style market rally?

Corporate governance reforms in Japan have helped spur a 45% rise in the share market over the past 12 months. Korea looks set to follow the Japanese reform playbook, and may be poised for a similar bounce.

Property

How AI will transform the real estate sector

The real estate industry, traditionally characterised by its cautious adoption of new technologies, is now at a pivotal juncture. The emergence of AI promises to fundamentally change the way we live, work, and play.

Investment strategies

Charitable giving and tax deductions

With impending Stage 3 tax cuts incentivising taxpayers to bring forward future tax deductions while tax rates are higher, it’s a good time to explore how to bolster your tax savings and community impact through structured giving.

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Disclaimer
The data, research and opinions provided here are for information purposes; are not an offer to buy or sell a security; and are not warranted to be correct, complete or accurate. Morningstar, its affiliates, and third-party content providers are not responsible for any investment decisions, damages or losses resulting from, or related to, the data and analyses or their use. To the extent any content is general advice, it has been prepared for clients of Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892), without reference to your financial objectives, situation or needs. For more information refer to our Financial Services Guide. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Past performance does not necessarily indicate a financial product’s future performance. To obtain advice tailored to your situation, contact a professional financial adviser. Articles are current as at date of publication.
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