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Graham Hand

The ‘new normal’ and demographic change

Using interactive graphics, we can model the impact of changing demographics on economic growth for all major countries. Will lower growth become the 'new normal' due to an ageing population?

Financial education and thanks to Noel Whittaker

Noel Whittaker kindly did a great write up of Cuffelinks in his own newsletter, which led to a surge in new registrations. He said, "The people behind Cuffelinks have high integrity, top skills, a great reputation, and share my passion for financial education. I know you will gain a lot from becoming a subscriber." Noel's excellent free newsletter has been published for 15 years, and you can subscribe on noelwhittaker.com.au, where he also has several useful calculators.

Lessons for all directors from Senator Sinodinos’s grilling

The Senator’s ICAC appearance this week was a fascinating study into the responsibilities of a company director. Every current or aspiring director should read the verbatim discussion in this article.

Disability advice: the niche that’s gone mainstream

It's bad enough coping with disability without missing out on the services and support available. When it comes to financial planning, every adviser, carer and person with a disability can benefit from knowing their entitlements.

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Retirement

The retirement account that Australia should have

Our retirement system asks one account to do two very different jobs. A dedicated "rainy day" account separating income from emergency savings could deliver better outcomes and greater peace of mind for retirees.

Investing

What the US midterm results mean for investors

Democrats have regained control of Congress, changing the equation in Washington. Whether that proves positive for investors will depend less on the result itself and more on what happens next for growth and markets.

Taxation

Should the capital gains tax reward risk?

A reader query on the recent CGT reforms has revealed a bigger issue. One overlooked feature of the old system may have done more than compensate for inflation. As we move to indexation, are we forgetting to reward risk?

Investment strategies

Bonds: The income and diversification trade-off

Rising yields have made bonds attractive again, but that does not mean they will behave as expected. As inflation, fiscal pressures and geopolitical risks reshape markets, the role of bonds may be more complicated than it appears.

Investment strategies

Why high-dividend investing deserves another look

Income investors have endured several lean years, but signs of a recovery are emerging. As opportunities improve, investors face an important choice between chasing headline yields and building a reliable source of income.

Investment strategies

Why 'overvalued' has been such an expensive word

Investors love simple rules, especially when markets appear stretched. Yet some of the strongest returns have arrived when the outlook seemed least attractive. This leaves an important question that history struggles to answer.

Investment strategies

AI – A good kind of bubble or just a bubble?

Investor obsession with AI is attracting unprecedented amounts of capital and confidence. But beneath the excitement lies uncertainties about returns, funding and risks that enthusiasts may not be paying enough attention to.

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