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Home / Author: Rick Cosier

Rick Cosier

Grandfathered commissions: what’s it about?

Financial advice commissions and grandfathering have become among the more contentious issues at the Royal Commission. Here's everything you need to know about where they came from but were afraid to ask.

Home ownership struggles will drive changes

Home ownership for Australians aged between 25 and 34 has fallen from 39% to 29% in the last 20 years, and government policies are doing little to make first home buying easier. What are the attitudes of younger clients?

Compulsory super not enough to avoid full pension

Australia's economy will struggle under an increasing age pension burden because the current level of compulsory super is inadequate to fund a comfortable retirement for most.

Real client experiences often differ from the headlines

In the financial and economic world, we use medians and averages to assess our position and make decisions about the future. But as each individual is different, aggregated statistics aren't always useful.

China beyond the myths and stereotypes

China is so complex and varied that few people can understand the whole picture, but on a third visit over two decades, it's possible to see changes, many of which are for the better.

Education not just legislation

Australians should be creating a comprehensive financial plan to live within their means. It may turn out badly unless we teach skills at an early age and incorporate financial planning into our education system.

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Economy

Has Australia wasted the last 30 years?

The 20 years after Peter Costello left Treasury have been deemed wasted...by Peter Costello. The missed opportunities for Australia began long before.  

Retirement

Navigating the next stage of life in retirement

Retirement planning is more than just saving enough money. Long-term care needs, housing choices, and social networks are just as critical for a happy and enjoyable life.

Strategy

Showcasing your value in the age of AI shortcuts

Knowledge is becoming commoditized in the age of artificial intelligence but experience, taste, and judgement are still at a premium.

Planning

Financial advice as the pathway to economic security

Financial advice can lead to improved financial literacy, a healthier super balance and a higher standard of living in retirement. Is now the time to give yourself the gift of financial advice?

Economy

The overlooked driver of energy inflation

The impact of energy policy on inflation in Australia is often overlooked. Transitioning to renewable energy can lead to inflated costs that affect the entire economy and productivity growth.

Economy

A 2026 rotation story: Europe’s undervalued small caps

In 2026, Europe is poised for a 'Goldilocks' scenario with cooling inflation and lower rates, driven by fiscal stimulus. Small caps offer an attractive entry point before capital rotation.

Investment strategies

What we do when things go up (a lot)

Recent price spikes, particularly gold's surge, trigger behavioral responses like availability bias, storytelling, extrapolation, and FOMO, which create self-reinforcing feedback loops influencing investor sentiment and market trends.

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