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8 October 2025
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Asian sugar hit, bonds versus funds, credit risk in bonds, ETF trading strategies, financial literacy, more wealth disruption.
On first look, the opportunity to invest in the rising Asian demand for fast food (sugar and fat) seems attractive. But governments are increasingly aware of the future costs, especially in health spending.
The money in a bond fund never 'matures' as the manager automatically reinvests both interest and principal, whereas a direct investment in a bond comes to an end on maturity.
Investors often focus on the movement in bond prices caused by changes in interest rates, but except (usually) for government bonds, credit quality also has a major impact on prices.
ETFs now offer a wide range of choices including equities, bonds, sector specific, smart beta, geared, commodities and currencies. This opens alternatives for both investing and trading.
People with low levels of financial literacy have a greater likelihood of making financial mistakes, including being misled or defrauded. The financial services industry should work to address this.
The Cuffelinks articles on disruption and the future of wealth management have been among the most popular we have published. Here is some suggested additional reading from external sources.
This AI cycle feels less like a revolution and more like a rerun. Just like fibre in 2000, shale in 2014, and cannabis in 2019, the technology or product is real but the capital cycle will be brutal. Investors beware.
An explosion in low-skilled migration to Australia has depressed wages, killed productivity, and cut rental vacancy rates to near decades-lows. It’s time both sides of politics addressed the issue.
LICs are continuing to struggle with large discounts and frustrated investors are wondering whether it’s worth holding onto them. This explains why the next 6-12 months will be make or break for many LICs.
Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?
This week, I got the news that my mother has dementia. It came shortly after my father received the same diagnosis. This is a meditation on getting old and my regrets in not getting my parents’ affairs in order sooner.
Retirement can be daunting for Australians facing financial uncertainty. Understand your goals, longevity challenges, inflation impacts, market risks, and components of retirement income with these crucial charts.