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20 October 2025
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Models, statistics, historical data and forecasts can paint a picture of the average investor, but just who is average? Financial planning and investment decisions need to consider the individual.
Sit through a dozen fund manager presentations and they all start to sound the same. There's been little significant innovation in the managed funds industry in the last 15 years. Why is this and what are the consequences?
Auction clearance rates are often quoted as a barometer of the health of the residential real estate market, but do they really reflect what is happening after the bidding stops?
Future returns from different asset classes are always uncertain and subject to contrary forecasts, but there are useful lessons from the past. As Shakespeare wrote in The Tempest, "What is past is prologue."
We cannot afford to ‘make things up as we go along’. We need a plan that addresses short, medium and long term goals, and we need to take action to address those goals now, not later.
If you are between 55 and 59 years old, the merit of a transition to retirement pension depends on a complex set of variables. But it is worth doing the numbers.
In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.
Labor has caved to pressure on key parts of the Division 296 tax, though also added some important nuances. Here are six experts’ views on the changes and what they mean for you.
You can’t freely withdraw your super before 65. You need to meet certain legal conditions tied to your age, whether you’ve retired, or if you're using a transition to retirement option.
Navigating retirement concessions is unnecessarily complex. This outlines a new project to help older Australians find what they’re entitled to - quickly, clearly, and with less stress.
Market shocks and rallies test every investor’s resolve. This explores practical strategies to stay grounded - resisting panic in downturns and FOMO in booms - while focusing on long-term returns.
Bonds have had a tough few years and many investors are turning to other assets to diversify their portfolios. However, bonds can still play a valuable role as a source of income and risk mitigation.
The NSW government is cutting the use of consultants. Universities have also been criticized for relying on consultants as cover for restructuring plans. But are consultants really the problem they're made out to be?