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12 August 2025
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There is a significant leadership opportunity for super funds to manage real return risk, where the inflation risk represents a potential erosion of retirement outcomes.
The biggest threat to a retirement portfolio is loss of value in real terms. The superannuation industry should focus on real returns and real volatility before inflation strikes again.
Real returns, which are simply the return relative to inflation, measure the growth in purchasing power of a portfolio of assets. So why does almost everyone use nominal returns and mislead investors?
Most financial plans focus on the amount of money required for a comfortable retirement, but knowing the variability of that outcome might change your mind on how much is enough.
The ideal outcome approaching retirement is to have the ability to extend a working career as a conscious choice, or if financially and personally appropriate, make the farewell speech.
The Stronger Super reforms have significantly raised the profile of lifecycle funds by legitimising their use as a single investment strategy for MySuper products. But are lifecycle funds any better than normal balanced funds?
This goes through the different options including shares, property and business ownership and declares a winner, as well as outlining the mindset needed to earn enough to never have to work again.
After a stellar 2025 to date for equities, warning signs - from speculative froth to stretched valuations - suggest the market’s calm may be masking deeper fragilities. Strategic rebalancing feels increasingly timely.
Everyone has a theory as to why housing in Australia is so expensive. There are a lot of different factors at play, from skewed migration patterns to banking trends and housing's status as a national obsession.
Each generation believes its economic challenges were uniquely tough - but what does the data say? A closer look reveals a more nuanced, complex story behind the generational hardship debate.
Blackberry clung on to the superiority of keyboards at the beginning of the touchscreen era and paid the ultimate price. Could the rise of agentic AI and a new generation of hardware do something similar to Apple?
The bond market is quietly regaining strength. As rate cuts loom and economic growth moderates, high-quality credit and global fixed income present renewed opportunities for investors seeking income and stability.
Companies trading at over 10x revenue now account for over 20% of the MSCI World index, levels not seen since the dotcom bubble. Can these shares create lasting value, or are they destined to unravel?