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James Gruber

Some Reader Survey results, and time to respond

Thank you for the hundreds of responses to our Reader Survey and to give as big a sample as possible, we are leaving it open for a few more days. Here is a sample of the results so far.

Lessons from Australia’s largest property busts

After three decades of phenomenal growth nationally, it seemed as though Australian house prices would never go down, until they did last year. Here is a look at previous property downturns and what we might learn from them.

Finding your investment niche

Charlie Munger is famous for applying different 'mental models' to get an edge in markets. In this vain, here's a look at how ecological niches can be applied to stock markets and may help you become a better investor.

Why stock prices are a distraction

Stock prices are like email: distraction machines. With email, it distracts people from getting work done efficiently, while with stock prices, they distract investors from what really matters: the businesses underlying them.

There are good reasons interest rates need to rise

  Interest rates are political dynamite in Australia given high home ownership and household debt. But increased rates are not bad for everyone and they are what's needed after the serious central banking errors of the past decade.

Which asset class in Australia offers the best value now?

After price falls in most asset classes in Australia last year, where are the best opportunities in 2023? We compare cash, bonds, residential and commercial property, as well as stocks, and reveal what’s cheap and what’s not.

Latest Updates

The ultimate superannuation EOFY checklist 2026

Here is a checklist of 28 important issues you should address before June 30 to ensure your SMSF or other super fund is in order and that you are making the most of the strategies available.

Retirement

Two months into retirement

A retirement researcher's take on retirement and her focus on each of her six resource buckets to stay engaged during the transition and beyond.

Superannuation

Markets have always delivered for super fund members. What if they don’t?

What happens if market resilience in the face of ongoing geopolitical tensions ends? Potential decade-long market weakness shows the need for contingency planning.

Retirement

We tend to spend less in retirement …

Studies show that a drop in expenditure during retirement leads to a happier retirement. But when costs ramp up again later in life, it's a guaranteed income that makes spending more hurt less.

Shares

Can you value a share just using dividends?

A cow for her milk, a stock for her dividends. Investors are too quick to dismiss this valuation technique. 

Property

The 25-year property trust default is being questioned

The 33% CGT discount rate being floated isn’t random. It sits at the structural break-even between trust and company for the multi-property cohort. That’s driving the conversation we’re hearing now.

Investment strategies

Are active managers bringing a knife to a gunfight?

How passive investing has permanently changed market structure — and why sophisticated tools are now the price of survival.

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